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Personal Account Services

Merchants Bank is an independent community bank that is committed to providing the most secure and convenient personal account services for our customers. We strive to understand the needs of our customers by offering accessible personal banking options.


Debit Cards

Merchants Bank debit cards allow you to access your money instantly. Whether you need cash out of the ATM or to make a point-of-sale purchase, our debit cards allow you to utilize your money when you need it. All debit cards have the protection of our automated Fraud Department.

Lost or Stolen Debit Cards

To report your debit card as lost or stolen after hours: (800) 554-8969

Credit Cards

Applying for a credit card can be a key step in achieving your financial independence. Credit cards can assist with monthly expenses, help complete a major purchase, or if you simply want to have an available line of credit for an unexpected expense. Credit cards are also a good way to help you build your credit and achieve a credit score.

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Check Reorder

Running out of checks? Stop in the bank, give us a call, or follow our Deluxe check reorder link below to get your checks ordered today.

Order Checks


Use any of our calculators to help determine the best course of action to securing your future.

View Calculators

Night Deposit

Our secure drop boxes, located at all locations, allow our customers to make deposits before and after banking hours. Night deposits are opened and processed the next business day.

Overdraft Protection

In the effort to avoid an unwanted overdraft fee, we offer ways to help avoid overdrawing your account. Interested? We would love to work with you to identify the overdraft protection that is best for you whether it be setting up an automatic maintenance transfer or establishing an overdraft line of credit.

Prepaid Gift Cards

Our prepaid Mastercard gift cards not only work perfect as a gift, they also work great for personal use as a safe way to carry money on the go. Merchants Bank gift cards can be loaded up to $750.00 and come with a small fee.

Safety Deposit Boxes

Safeguarding your valuables is very important. This is why we offer individually secured boxes to provide a safe place for your convenience. Safe deposit boxes are reinforced to withstand fire, floods, hurricanes, tornadoes, and other natural disasters. Although boxes are equipped to handle harsh elements, they are not FDIC insured.

Wire Transfers

Merchants Bank is a Fedwire participant, for wires to Merchants Bank use the following information:

Merchants Bank
210 S Main Ave
Rugby ND 58368
Routing # 091300641

Customer Name
City State Zip
Customer Account Number

To initiate a wire, you must be present at your local branch. Any questions please contact your local branch.


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Personalization Settings

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Merchants Bank would like to personalize your banking experience. Please enter your first name below.

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This level of personalization will not lead to the sale of your name or leak your identity. The information you provide will only be stored on your computer and will not be transferred to any other source.

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