Frequently Asked Questions

There is no such thing as a dumb question, but there certainly are common ones! Below are some of the inquiries we receive most often which may help you quickly resolve a question you have too.

•  General Bank Information

•  Financial Connection

•  Internet Banking

•  Products & Services

•  Other Account Information

General Bank Information Questions

What are your hours of operation?

Visit our Locations & Hours Finder.

Where are your ATMs located?

Mercantile is part of the Mercantile Bancorp, Inc. Regional Banking Network. This network provides you with access to numerous ATM locations in Illinois and Missouri– all free to use for any Mercantile Bancorp, Inc. affiliate bank customer! To find one near you or your destination, please use our interactive ATM Locater, or view a list of all ATMs.

What is your Bank Routing Number?

If you are trying to establish direct deposit or set-up an automatic withdrawal, along with your account number, you will also need to supply our Bank Routing or ABA Number: 081200531. This nine-digit number is also located on the bottom of each of your checks. It is the first series of numbers prior to your account and check numbers.

Financial Connection Questions

What is the Financial Connection phone number?

Quincy-Area: 217-223-7035
Missouri & Indiana (toll-free):  877-BANK-055 (877-226-5055)

What do I do if I have forgotten my Financial Connection PIN?

First, call your local bank office and ask to speak with someone concerning your PIN. They will ask for your social security number. To verify your identity further, we will ask you some additional security questions. We will then be able to reset your access with a temporary PIN. Next time you call the Financial Connection, the system will say, “if you've used this before, press 1, if you haven't press 0.” Since you've called in and talked with us, press 1. The message will then ask you for your account number followed by the pound sign. Next, it will ask for a PIN number. Enter the temporary PIN followed by the # key. As soon as you have done this, the system will say that you must enter a new PIN number. This will be your opportunity to select a new four-digit PIN, which you will use on future calls.

Internet Banking System Questions

How do I sign up for eNet Banking? Is it free?

Online account access is free to all account holders. You simply need to have secure access to an Internet-connected computer in order to login and access account information and other services online. To enroll in eNet Banking access, simply complete an Internet Banking Enrollment form. You may pick one up at any location, contact us to receive one by mail, or you may complete, print and mail or fax our online form. Once enrolled, you will receive a temporary password in the mail within three business days after which you will be able to view account information, transfer between accounts, and much more!

What if I have forgotten my eNet Banking System Password?

First, call your local bank office and ask to speak to someone concerning your password. We will ask for your Login ID as well as several other security questions to verify your identity. They will then set you up with a temporary password. Using that temporary password the next time you log in should remove any hold on your account. You will also be able to change the password to something you choose for security purposes.

I am locked out of eNet Banking, how can I have my password reset?

If you have not accessed your accounts online within the last ninety days or if you have had more than three unsuccessful login attempts, you will be locked out of the system and need to have your password reset. Please call us and ask to speak to someone concerning your password. We will ask for your Login ID as well as several other security questions to verify your identity. If you know the correct password, we can reset it and your access will be restored. If you have forgotten your password, or would like to setup a new one, you will be assigned a temporary password that will allow you to setup a new password of your choosing at your next login session.

I just opened/added a new account, how long will it take before I am able to access my account(s) online?

If you have signed up for eNet Banking access for the first time, you will receive a letter with a temporary password and initial login instructions in the mail within three business days. Your login, requested when you completed your enrollment form, will not be included in this letter. You will need to commit your requested login ID to memory and/or store it in a safe place where only you and other authorized account signers have access to it.

If you are already enrolled in eNet Banking and have just recently added a new account, you may need to complete an Internet Banking Enrollment Additional Account form in order to add this account to your existing profile. Once this request has been made, your new account(s) will be added to your list of accessible accounts and will appear online within three business days.

How can I sign up for eBill Pay? What does it cost?

eBill Pay is free with many of our personal and business checking accounts. If it is not included with your account as a free benefit, you can receive a free 90-day trial, and the cost is only $6.95 per month thereafter for UNLIMITED use.

If you already have eNet or eBusiness Banking access, you will need to complete an Internet Banking Enrollment Additional Account form in order to eBill Pay access to your existing profile. Once this request has been made, your eBill Pay will be accessible within three-five business days.

If you are enrolling in eNet Banking for the first time, simply complete the eBill Pay portion of the form.

Products & Services Questions

What are your current CD Specials?

Our most current CD specials can be found rotating on our home page and will also be listed on our Deposit Rates Page.

What do I do if I have forgotten my PIN for my ATM card?

Please visit the lobby of one of our banking centers. Bring your ATM or MasterMoney Debit Card, along with a valid photo ID to verify your identity. You will then be able to choose a new PIN that we will help you activate.

What do I do if I have lost my ATM/MasterMoney card?

During banking hours, please contact us immediately for assistance. If it is after hours, please call 800-383-8000 to report your card lost and/or stolen.

How do I sign up for a debit card?

You can apply for a MasterMoney Card at any of our locations, or even more convenient, here online!

If eligible, you can expect to receive your card in about ten days to two weeks. If for some reason you are not eligible for a MasterMoney Card at this time, you will receive an ATM card with your account instead.

Do you have free checking?

Yes! We have “No Strings Attached” Free Checking – no minimum balance required, no per check fees, no monthly service fees, and direct deposit is not required. To open a Free Checking account, you just need a $100 minimum opening deposit. You may visit us in person – we'd love to meet you, or you may apply online.

Other Account Questions

How do I request a stop payment? Is there a charge?

Although you may request that a stop payment be placed on a check or automatic withdrawal over the phone, you will have to visit the bank within two weeks to sign and fully execute the request. If we are able to place a stop payment on the transaction, there is a $20 fee for each item you request to be stopped.

As long as the item in question has not cleared or been posted to your account, you may request that payment be refused. (In the case of a debit card purchase that has already been authorized and/or posted, you cannot stop payment from occurring, but you can dispute the charge after the fact. Please contact us to initiate this process.)

To stop an automatic withdrawal, especially one that is recurring on a regular interval such as a monthly insurance payment, etc., please contact us at least two business days from your expected payment withdrawal date.

We will need information such as what number the check was, what date it was written, who it was made out to, the reason for wanting a stop payment (i.e., lost, etc.), and whether or not you will issue another check in its place. Once the stop payment is placed on our system, and you've signed the form, the stop payment will stay on your account for six months.

What happens if a check bounces? What is the fee?

Relax! It happens to the best of us. As long as it is an honest, infrequent mistake, you will likely only be subject to a non-sufficient funds fee of $25 for each item that fails to clear. If your balance remains in an overdrawn or negative state for more than one day, you may be subject to additional daily NSF balance fees.

There are several options, however, which you can put in place to try to avoid this from occurring. You can setup an automatic sweep agreement, apply for Reserve Cash, or maybe our M Class IntelliBank Account Suite  is for you. To find out more about these options, please call or visit with us today.