Monthly fee
$4.95
−$59 a year for an everyday customer: fees and interest, $2,000 kept.
Mercantile Bank · Checking account
Mercantile MercStart Checking
−$59 a year for an everyday customer. $4.95 a month. $25 to open.
- A year, everyday customer
- −$59
- Monthly fee
- Receipt · Monthly feeChecked Nov 8, 2026
Issuer's page · mercbank.com
The source states this figure; we have no exact sentence on file yet.
- To open
- Receipt · Minimum to openChecked Nov 8, 2026
Issuer's page · mercbank.com
The source states this figure; we have no exact sentence on file yet.
Against the market
How it ranks
#527of 1043 checking accounts, by a year’s value for an everyday customer
All 1043 checking accounts, rankedFeatures
- Budgeting tools
- Check writing
- Free checks
- Overdraft protection transfer
From the bank’s own pages. A feature not listed may still be offered: we list only what the bank states.
In the bank’s words
Terms
Fees
- Monthly fee
- $4.95 a monthmercbank.com, checked Nov 8, 2026
- Ways to avoid the monthly fee
- Any one of these:
- Primary account holder is under the age of 18 years old.
- Primary account holder is between the ages of 18-25 years and account is enrolled in eStatements.
- Minimum to open
- $25mercbank.com, checked Nov 8, 2026
- Overdraft fee
- Nonemercbank.com, checked Nov 8, 2026
- Returned item (NSF) fee
- Nonemercbank.com, checked Nov 8, 2026
- Overdraft transfer fee
- $5mercbank.com, checked Nov 8, 2026
- Most overdraft fees in a day
- 0mercbank.com, checked Nov 8, 2026
- ATM network
- MoneyPass® ATM Networkmercbank.com, checked Nov 8, 2026
- Incoming domestic wire
- $10mercbank.com, checked Nov 8, 2026
- Outgoing domestic wire
- $30mercbank.com, checked Nov 8, 2026
- Incoming international wire
- $10mercbank.com, checked Nov 8, 2026
- Outgoing international wire
- $75mercbank.com, checked Nov 8, 2026
- Inactivity fee
- $5mercbank.com, checked Nov 8, 2026
- Early closure fee
- $25mercbank.com, checked Nov 8, 2026
- Cashier’s check
- $5mercbank.com, checked Nov 8, 2026
- Stop payment
- $32mercbank.com, checked Nov 8, 2026
- Card replacement
- $9.95mercbank.com, checked Nov 8, 2026
Who can open it
- Minimum age
- 13mercbank.com, checked Nov 8, 2026
FDIC-insured, up to $250,000 per depositor, per ownership category: FDIC BankFind.
Rates and fees change; the bank’s own page is the final word. Report a mistake · How we make money · Not stated: 2 items counted at typical fees