Mercantile Bank Personal Checking

Want Convenient Personal
Checking Services?

Check Out Our Checking Accounts
Combine the convenience of our personal
checking services with the friendliness
of our neighborhood banking offices
and you will understand why so many
Boston residents enjoy banking
at Mercantile Bank.

Totally Free Checking*
A FREE account for everyone!
• No minimum balance
• No monthly service charge
• No per check charge
• Unlimited check writing
• Easy-to-balance monthly statement
• FREE return of check images
for easy record keeping
• FREE MasterMoney™ Card
• FREE Online Banking and Bill Pay
• FREE foreign ATM transactions†
• FREE eStatements
• FREE Mobile Banking

50+ Free Interest Checking*
FREE for customers 50 and over!
• Competitive interest
• No minimum balance
• No monthly service charge
• No per check charge
• Unlimited check writing
• Easy-to-balance monthly statement
• FREE return of check images for easy record keeping
• FREE MasterMoney™ Card
• FREE Online Banking and Bill Pay
• FREE foreign ATM transactions†
• FREE eStatements
• FREE Mobile Banking

Direct Deposit Free Interest Checking*
FREE checking with the convenience of
direct deposit or any automatic payment!
• Competitive interest
• No minimum balance
• No monthly service charge
• No per check charge
• Unlimited check writing
• Easy-to-balance monthly statement
• FREE return of check images for easy record keeping
• FREE MasterMoney™ Card
• FREE Online Banking and Bill Pay
• FREE foreign ATM transactions†
• FREE eStatements
• FREE Mobile Banking

Premium Interest Checking*
An account for those interested in higher interest!
• Higher interest rates with balances of $2,500 or more
• Competitive interest if balance falls below $2,500
• No per check charge
• Unlimited check writing
• Easy-to-balance monthly statement
• FREE return of check images for easy record keeping
• FREE MasterMoney™ Card
• FREE Online Banking and Bill Pay
• FREE foreign ATM transactions†
• Only $8 monthly charge if minimum balance falls below $1,000
• FREE eStatements
• FREE Mobile Banking

* Customer purchases checks.
Offer good on personal accounts only; business and corporate accounts do not qualify for these plans.
Bank rules and regulations apply. Ask us for details.
† Surcharge may be applied by the owner of a foreign ATM machine.

Trouble Deciding?
Answering these four easy questions can help you decide which account is best for you.

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Effective: February 17, 2012
Personal Checking Account Rates	Interest Rate	APY*
50+ Free Interest	0.10%	0.10%
Direct Deposit Free Interest	0.10%	0.10%
* Annual Percentage Yield Fees may reduce earnings on account. Need to maintain the minimum balance ($10) to obtain the APY. Interest rates may change after account is opened.

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Effective: February 17, 2012
Premium Interest Checking Rates
Personal	Interest Rate	APY*
$10 - $2,499.99	0.10%	0.10%
$2,500 or more	0.30%	0.30%
* Annual Percentage Yield Fees may reduce earnings on account. Need to maintain the minimum balance ($10) to obtain the APY. Interest rates may change after account is opened.

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Earn High Interest with Premium Interest Checking
Receive the highest interest rate available on your checking account balance with our Premium Interest Checking.

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Enjoy Security of Overdraft Protection
You can avoid costly bounced check fees with a Mercantile Bank personal overdraft protection account. This account has no annual fee and offers credit lines from $250 to $1,000. Funds are automatically advanced when needed, up to the amount of your credit line.

Timesaving Online Banking
When you're too busy to get to the bank or want to check your account status, Mercantile Bank's online banking services allow you to access your accounts any time of day. Your secure access allows
you to:
• Check account balances
• See which checks have cleared
• Transfer funds between accounts
• Schedule future fund transfers
• View recent transactions
• Make bill payments

FREE Online Banking with FREE Bill Pay.

FREE eStatements
With online banking, your Mercantile Bank account statements are now available online, anytime, at your convenience. With just a few clicks you can:
• Receive your statements sooner - no more waiting for the mail
• Review statements online
• Download and store electronically
• Reduce paperwork - only print out statements you need
• Receive e-mail notices when your new statement is available
• View up to 12 months of statements - including images of
cancelled checks

eStatements are available free to our customers through online banking

Sign up today!
•If you are already using online banking:
Step 1. Log into your account
Step 2. Click the "Accounts" tab
Step 3. Click "View Statement"
Step 4. Read and accept the eStatements agreement
• That's it! You now have access to your statements online

• Not using online banking?
What are you waiting for? Online Banking is free to our customers. Sign up today!

Telephone banking is a call away
Access and manage your accounts with a toll-free call from any touch-tone telephone — anytime, anywhere. With this easy-to-use service, you can:
• Check your checking, savings or loan balances
• Find out if a check has cleared
• Hear a list of recent deposits and withdrawals

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Transfer funds between accounts
Once you register for our funds transfer feature, you can use telephone
banking to transfer money to or from your checking, statement savings or money market accounts, or make a payment to your Mercantile Bank loan or mortgage.

To try telephone banking, call toll-free at 1.877.799.6282 (MBTC).

Other Mercantile Bank Services
With Mercantile Bank savings and investment accounts, you may also want to consider the benefits of our other financial services:
• Personal checking
• Consumer loans
• Home financing

18/65 Rule waives fees and charges
If you are under 19 or over age 65, you are eligible for an account on which most fees and charges are waived or reduced. Please inform the bank if you are in one of these age groups.

MasterMoney™ Debit Card Works Like a Check
The Mercantile Bank MasterMoney™ Debit Card offers a new level of banking and shopping convenience. Pay for your purchases without cash, checks or credit cards. At the same time, you have quick, easy access to ATM cash and your Mercantile Bank checking account 24 hours a day.

The MasterMoney Debit Card is safer than carrying
cash and easier than writing checks. Unlike credit cards, there are no annual fees, monthly bills, or service charges. Use your card anywhere you see the MasterCard® symbol.

With your Mercantile Bank MasterMoney Debit Card:
• Make purchases at retailers wherever you see MasterCard®, Cirrus®, or NYCE® symbols
• Get instant cash at thousands of ATM locations displaying the Cirrus or NYCE symbols
• Access your Mercantile Bank checking account 24 hours a day, seven days a week
• Check your account balances
• Make deposits at Mercantile Bank ATMs

MasterCard SecureCode™
MasterCard SecureCode enables you to approve and sign a purchase receipt
whenever shopping online at a MasterCard SecureCode merchant.You are protected
since you approve each purchase with your own private SecureCode.

How does it work?
After you've registered your existing card and created your personal SecureCode you will be automatically prompted at checkout to provide your SecureCode each time you make a purchase with a participating online merchant.

Entering your SecureCode during a purchase at a participating online merchant confirms that you are the authorized cardholder and your purchase is then completed. If an incorrect SecureCode is entered, the purchase will not be completed. Without your personal SecureCode, a purchase cannot be completed even if someone knows your credit or debit card number.

If you have any questions or would like more information please stop by any Mercantile Bank location or call 617.247.2800.

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Personalized Checking and Banking Services
To open an account or learn more about Mercantile Bank personal checking and other banking services, stop by one of our neighborhood offices, contact us or call 617.247.2800 to talk with one of our friendly banking specialists.

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