Business Banking

A growing business needs a local business banker by their side. Local lenders mean fast, local decision-making.

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We Make A Way. Not Shortcuts.

When it comes to business banking, we were literally made for this. Community banks were traditionally founded to be business banks, and our business was our hometown. Since our charter in 1907, our customers have grown the mills where our neighbors worked, the restaurants where we met for breakfast and the fire stations that kept us safe. While larger banks went after big business, we became the go-to bank for local business in Cullman County. The ones that make a big impact on the life in our communities.

We Have Your Bank

Merchants Bank has been the choice of small business owners due to one big difference. You talk directly with the decision maker. Business owners who have to deal with unforeseen problems or unexpected growth need a banker that can give them a quick answer instead of a banker who answers to someone out of state. Your Merchants banker gets to know you and your business. So you get flexible solutions from someone who has the power to think outside the box, not just check boxes on a form.

You Have A Role, Not Just An Account

Business owners drive the local economy. That’s why partnering with a community bank is so vital. Our bankers are from here. They live and work here. They know where the opportunities and untapped markets are in our communities. You play a big role in our hometown’s future. Working with a local bank can help you go farther.


Merchants Bank

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