Internet Banking

Mercer County State Bank is very pleased to offer you the convenience of Internet Banking and the peace of mind you demand whether you're standing in our lobby or visiting us on the web.

Mercer County State Bank researched the best way to offer you the convenience of Internet Banking while ensuring the integrity of your sensitive information. Our Internet Banking program is housed on secure, state-of-the-art servers, and all banking activity takes place behind multiple levels of protection from outside intrusion or interference. Plus, all transmission of data is protected by 128-bit encryption, the highest form available.

We want you to feel secure in your relationship with us, whether you're in our lobby or on our web site. Policies, procedures, security and privacy training, and alert employees protect you in the Lobby.  We've taken this same level of commitment to our presence on the web.


1.  What is Internet Banking?
Online Internet Banking gives you up-to-date account information anytime and anywhere you have Internet access through your personal computer (PC), so you can check balances, transfer funds, and view images of posted checks, 24 hours a day, 7 days a week. 

2.  What is the cost of Internet Banking?
There is no cost for this service.

3.  How do I get started?
The first thing you'll need to do is to stop by one of our local offices and speak to one of our friendly Customer Service Representative (CSR).  Simply complete an Internet Banking application and we will have you online within 3-5 business days.   Also, you will have to be a MasterMoney Debit Card holder.  This information is used for another level of security.  If you are presently an ATM Card holder, you will be issued a MasterMoney Debit Card at no additional cost. 

4.  How soon can I start using the Internet Banking Product?
You will receive a Welcome letter via email notifying you that you are enrolled and ready to go online.  Simply go to our website,, use the ONLINE BANKING link.  When you are at the logon screen enter your MasterMoney card number (all 16 positions) in the ACCESS ID field, and the last six digits of your social security number in the PASSWORD field.  You will be required to change your PASSWORD as soon as you logon. 

5.  What kind of features can I expect from MCSB's Internet Banking product?
Bank when you want, where you want, and how you want.  The convenience of banking 24-hours a day, 7 days a week from your home or office PC.  Our Internet Banking product will offer you online, “real-time” features and functions that will include:

o 24-hours a day, 7 days a week access to your detailed account information.
o Account information can be exported to third-party software, such as Money™,
       Quicken™, and  QuickBooks™.
o Statement retrieval and printing capabilities.
o Check Image retrieval and printing capabilities.
o On-line fund transfers between Mercer County State Bank’s accounts.
o On-line Loan Payments to Mercer County State Bank’s accounts.
o Stop Payments can be entered.

6.  Do we offer Internet Banking Bill Payment service?
Yes, our
Bill Payer is an add-on feature to the Internet Banking product. Customers may pay all their bills online by providing basic account information for their provider. Payment is submitted electronically or by check depending upon the abilities of the receiver. Customers may schedule either one time or recurring payments. Payment must be made from a checking account. A low monthly fee will apply for an unlimited number of payments. Contact any of our offices for more information or see Bill Payer Frequently Asked Questions.

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