Business
Banking Services

Beneficial Ownership Rule

Your business is important to us. Our goal is to make the business account opening process an enjoyable and efficient experience for you. All banks will be subject to new rules under the Bank Secrecy Act effective May 11, 2018 that will aid the government in the fight against terrorism and other national security threats. MCSB is required to identify and verify the identity of the beneficial owners of all legal entity customers at the time a new account is opened. Please read the following document to learn more ...Beneficial Ownership Requirements.

Online Banking, Bill Pay & eStatements

Access your account from virtually anywhere you have an internet connection with Online Banking. Monitor your transactions, transfer funds between your linked accounts, pay bills with our Bill Pay services and eliminate paper statements with our eStatements.

Remote Deposit

Open this account and you can make your d daily deposits directly from your office. It will improve your cash flow and eliminate trips to the bank.

To learn more about how a Remote Deposit account can work for your business, contact a community office today.

Overdraft Protection

Protect yourself against overdrawing your checking account. We have numerous options to protect this from happening. Automatic transfers from your savings account or a line of credit or our Overdraft Privilege Program (subject to credit approval). Call today for details.

Electronic Banking Services

MCSB has all the latest electronic banking services available to provide your business the most current methods to process payments and make it easy for your customers to pay you electronically. Just a sample of the services we offer are ACH origination, payroll direct deposit, consumer-initiated Web payments, eFunds for schools and many more.

Debit Business MasterCard

A Debit Business MasterCard functions like an “electronic check”. Customers can use their card as a regular ATM card to access their accounts or they can use the Debit Business MasterCard at any MasterCard merchant location to make purchases. It is accepted anywhere you see the MasterCard logo.

Sweep Accounts

Available for businesses interested in earning a competitive rate on “excess” funds in their checking accounts.

Payroll Direct Deposit

Businesses can enjoy the convenience that having their employees pay going Direct Deposit has to offer. Funds are directly deposited into their employee’s account. 

Payroll Services

Through Heartland Payment systems, MCSB is able to provide Full-service payroll processing. This service includes filing of all payroll tax forms, Direct Deposit, payroll debit cards, internet-based processing and reporting. The cost-effective way to process your payroll.

Credit Card Processing Services

Mercer County State Bank has partnered with Heartland to provide you with the best and most cost effective VISA, MasterCard, American Express and Discover Card transaction processing in the industry today.

Wire Transfers

Let us put your mind at ease when it comes to sending money quickly and safely. Make a Wire Transfer request at any of our conveniently located branch locations.

Financial Advisory Services

Mercer County State Bank provides financial investment opportunities for our customers through its MCSB Investment Services department.

Insurance Planning

Mercer County State Bank provides insurance opportunities for our customers through a referral relationship with MCSB Insurance Agency. Our fully licensed Insurance Agents can offer you a policy for all your insurance needs.

Night Depository

Perfect for the businesses that needs to deposit cash after banking hours. Each branch has a 24-hour depository for your convenience. This is a safe and secure way of making deposits after banking hours.

Telephone Banking

Easy to use and provides access to your accounts 24 hours a day, 7 days a week from the convenience of your phone. Your information is secure – protected by your Personal Identification Number (PIN). Call Toll-Free 888-489-6272 or local 724-376-2100.

Safe Deposit Boxes

Store your important records, documents, and valuables safely. Our safe deposit boxes are located in secure vaults and in most branch locations.

Check Orders

Through Deluxe, our check provider, MCSB can satisfy any need you might have for processing your checks on any computer system your business uses.