BANKING CAPABILITIES
Business Product Offerings
Business Accounts
Checking Accounts:
• Hometown Business Checking
Hometown Business Checking has unlimited transaction activity with a minimum balance requirement to avoid a monthly fee.
• Hometown Business Interest Checking
Hometown Business Interest Checking allows you to earn interest with unlimited transaction activity with a minimum balance requirement to avoid a monthly fee.
Public Funds accounts are also available to State, County, Municipalities and School Districts.
Savings Accounts:
• Business Statement Savings
• Have your cash available while earning interest. This account allows unlimited person deposits, transfers and withdrawals.
• Business Hi-Fi Money Market
• Need to write a few checks but most of the time want have your cash in savings to earn interest? Take advantage of the Business Hi-Fi Money Market account.
• Certificate of Deposit
• If you don’t need immediate access to the funds and want to save up for a future expense, earn additional interest in a Certificate of Deposit for a term anywhere between 3-84 months.
Debit Cards with Manage My Card App:
• Mercer County State Bank debit cards allow businesses to access funds electronically when paying for goods and services or withdrawing cash at an ATM.
• The “Manage My Card” app is integrated into the MCSB mobile app. It allows you to:
• Instantly turn you card ON or OFF
• Set spending limits
• Receive real-time alerts
• Limit transactions by location and merchant type
Cash Management Services
Debit Cards
Manage your accounts without leaving the office with a variety of services available to you.
• Business Online Banking with eStatements
• Real-time viewing of transaction activity with access to transfer funds.
• Free eStatements and check images
• Online Bill Pay
• Schedule payments and set up reminders
• Search vendors for easy enrollment
• Alerts – Real-time texts or emails about account activity
• Scan and transmit deposits with Remote Deposit Capture
• Credit Card processing services
• Direct Deposit Payroll services
• Vendor ACH Payments
• Fraud and security protection with Positive Pay and Tokens
• Wire Transfer initiation
Mobile banking
(1) gives you with access to real-time online banking
(2) through an internet/wi-fi enabled mobile device.
• Third party message, data and/or internet service provider fees may apply.
• Real-time banking excludes any outstanding checks that may have been issued
Business Mobile App:
Business Lending
Real Estate Loans
We offer multiple financing options whether you are looking to refinance, build, acquire or build.
Types of loans offered:
• Purchasing a facility
• Purchasing real estate for a future building
• Building a new facility
• Investment real estate
Working Capital Loans
A working capital line of credit can help bridge the gap between business expenses and income.
Equipment loans
We offer loans for manufacturing and industrial machinery that is essential to your business.
Agricultural Loans
Business Credit Card
TeleBanking:
TeleBanking with Mercer County State Bank is convenient and secure. To access, call XXXXXXXX.
Coin Machine:
Exchange coins for cash with surcharge free coin machines at select locations for Mercer County State Bank customers. Visit www.mcsbank.bank for locations.
Night Deposit Services:
Secure depository services available 24/7 at Mercer County State Bank locations.
Merchant Services
Additional Info: ACH
The Automated Clearing House (ACH) service allows for the ability to safely and securely transfer funds electronically. We offer ACH services that allow for direct deposit payroll, payments to vendors and the ability to collect fees due for a service.
Wire Transfer
Wire transfers can be sent domestically or internationally. This option allows for wire transfers to be initiated via Business Online Banking.
Positive Pay
Positive Pay is a fraud detection service ideal for clients issuing a large number of checks. This service prevents loss due to the fraudulent use or duplication of checks.
Sweep
A sweep services assists with the automatic transfer of funds over a certain limit to another account within the Bank. This can be used to maximize savings or reducing funds in the transactional account for security purposes.
Tokens
Tokens provide an extra layer of security and takes the place of or is in addition to the standard password.
Alerts
Alerts are electronic notices that are customizable for you. These alerts occur in real-time and can be received via text or email to help you monitor your account activity.
Remote Deposit Capture
Remote Deposit Capture helps you to free up time in your day by depositing checks at your own place of business rather than making a trip to the bank. Scan your checks 24/7.
Account Analysis
Accounts with high transaction activity and utilizing several services benefit from account analysis. A credit is earned based on deposit balances in lieu of interest to offset fees.
Cochranton
110 North Franklin Street
Cochranton, PA 16314 (814) 425-7133
Meadville
16411 Conneaut Lake Rd.
Meadville, PA 16335 (814) 337-3606
Cambridge Springs
144 Venango Avenue
Cambridge Springs, PA 16403 (814) 398-4666
Sandy Lake
3309 North Main Street
Sandy Lake, PA 16145 (724) 376-4601
Grove City
712 West Main Street
Grove City, PA 16127 (724) 458-5606
Fredonia
71 Main Street
Fredonia, PA 16124 (724) 475-4515
Our Locations
Clintonville
101 Franklin Street Clintonville, PA 16372 (814) 385-6911
Jackson Township 811 Franklin Road Mercer, PA 16137 (724) 662-3131
Hermitage
1353 N. Hermitage Road Mercer, PA 161348 (724) 346-3243
Cambridge Springs
144 Venango Avenue
Cambridge Springs, PA 16403 (814) 398-4666
Harrisville
549 South Main Street Harrisville, PA 16038 (724) 735-2265
Mercer
147 North Diamond Street Mercer, PA 16137 (724) 662-6019J