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Specialty Services

Check Cashing Industry

Merchants Bank of California, N.A. is the leader in providing banking services to the check cashing industry. Servicing check cashers is our main line of business. Our management team has over 30 years experience in the check cashing industry and our dedicated staff understands the unique needs of check cashers. We are able to service a wide geographic area by using efficient courier and armored car services. We have developed specialized products to help improve your cash flow.

Money Transmitter Business

Merchants Bank of California, N.A.’s extensive experience ensures electronic funds are transmitted securely, quickly, and efficiently anywhere in the world. Let our expert staff help you find solutions to attract more business and generate more revenue.

At Merchants Bank of California, N.A., we understand that many of your customers transact their “banking” business with you without having a bank account and we make it easier for you to provide them with the financial services they need for their personal lives and for their businesses. We also offer additional specialized products, such as Transaction Payment Services, to compliment your business, making it an indispensable financial one-stop-shop for your clientele. By becoming a Merchants Bank agent for bill payment, prepaid top-up or merchant card services, you will continually generate new business and increase revenue for your business.

Advantages offered to check cashing and money transmitter clients at Merchants Bank of California, N.A.:

Catering To Your Business
    • Same day credit for deposited checks, which is especially helpful on busy days when you need the additional cash.
    • Your account is not charged for cash delivery orders until the day your cash is delivered.
    • In-person deposits with our friendly and professional staff.
Lines of Credit and Term Loans
  • Lines of credit to provide you with extra cash for busy weekends and holidays.
  • Term loans that can be used for:
    Equipment purchases
    Leasehold improvements
    Store purchases
Prompt Notification of Returned Items
  • Timely notification of returned items to give you the opportunity to promptly begin your reimbursement process.
  • Expert service to help limit your losses and improve your reimbursement success.
Other Services
  • Armored car service
  • Check courier service
  • Online account access
  • Extended business hours on Fridays