Cash Management

Merchants Commercial Bank’s online banking capabilities, combined with its business loan products, allow its business customers to actively and easily manage their cash positions. The following cash management tools are provided by MCB:

Online Account Transfer Capability

Transfer funds with ease between your MCB accounts utilizing our mobile or online banking portals.

Online Bill Pay Capability

Online Bill Pay enables you to schedule and pay bills from your computer, tablet or mobile phone. Online Bill Pay works by deducting the payment from your account and transferring it to the designated provider. You can also view, reprint and save images of your checks for your records.

Short Term Account Overdraft Protection

(subject to credit approval)
Handle all of your short term working capital needs with poise and peace of mind.

MCB Business Loan Payment Capability

Take the stress out of paying your MCB mortgage or other loan payment on time by scheduling recurring payments to be drawn directly from your account.

What is positive pay?

Positive Pay is a powerful fraud prevention tool used by business customers to protect against check fraud. Merchants Commercial Bank’s Positive Pay Service helps your business detect suspicious transactions, reducing the risk of financial loss and safeguarding the reputation of your business.

How does positive pay work?

• Your business uploads or manually enters issued check data into Online Banking (OLB). Checks presented for payment against your account are compared to those issued by the business. Any check not on the issued checklist (and potentially fraudulent) is sent to you as an exception for examination.