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Personal Banking


Merchants Bank of California, N.A. offers Checking, Savings, Time Deposits and Retirement accounts. We have three types of checking accounts to choose from that are structured according to your specific needs, our banking professionals are ready to assist you in customizing your accounts. Let our experienced New Accounts Representatives show you our products, current rates, yields and terms, and help you invest your money safely.

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Our Basic Checking Account offers unlimited check writing and no per check charges or monthly service charges with a $1000 minimum balance requirement.

Seniors First Checking

This checking account offers a service charge free account to customers age 55 and better without balance requirements.

Super NOW Checking

For those who maintain higher balances and want to earn interest on their account, we offer our Super NOW Account which comes with no monthly service charge for daily balances of $2,000 or greater and includes unlimited check writing and no per check charges.


There are no monthly service charges for customers 55 and better or for accounts with balances of $400 or greater.

Money Market

Our Personal Money Market Account is the premier choice of the value conscious investor. It pays money market interest rates on higher balances, and offers the liquidity of a checking account. Limitations apply for preauthorized, POS, automatic or telephone transfers per month. There is no monthly service charges for balances of $2,500 or greater.

Certificate of Deposit

Our Certificates of Deposits are convenient and secure. We offer many maturity terms. Funds can be deposited in one certificate for a specified term, or several certificates with varying terms.

Retirement Accounts

Our experienced New Accounts Representatives are available to provide you with assistance and information about IRA accounts. We strongly recommend you consult with your tax advisor who is familiar with your financial history and future needs prior to opening an IRA.