Established in 1879, Merchants National Bank is an independent financial institution. It offers online, personal and business banking solutions. The bank provides credit cards and ATMs and switch kit, safe-deposit box and wire transfer services. Merchants National Bank offers direct deposit, traveler s checking, night deposit and overdraft protection services. It provides bill and tax payment and transaction review services. The bank offers electronic banking, payroll, receivable collection and merchant services. It provides business checking and money market accounts. The bank also offers home equity, construction, agricultural and commercial loans. It additionally provides various financial tools, such as loan payment and mortgage calculators. Merchants National Bank is a member of the Federal Deposit Insurance Corporation and Equal Housing Lender. .