No more standing in line or inhaling exhaust fumes at the drive-thru window! With M&S Online Banking you can pay bills, check your account status, transfer funds, even shop for loans. And this bank never closes! We're open 24 hours a day, every day of the year!

What is it?

Merchants & Southern Bank's Money & Service Online is a virtual branch online. You can perform all of your regular banking transactions, and pay bills right from the comfort of your own home! For those who manage their finances with Quicken or MS Money you can now directly import your daily account information right into your own personal financial software or spread sheet.

Your Online Account History

You will be able to see a history of your account transactions beginning with the date of your first transaction after your account is placed on line. Transactions completed before this date will be available on your printed bank statement or by telephoning your branch office.

How Do I sign up?

It's a snap! Just see your Personal Banker at your local M&S Bank branch. Your local Personal Banker will not only sign you up but also give you a personal tour of Merchants & Southern's Money & Service Online. Once you have signed up, it will take 2-3 days for your account information to become available. Please be patient. This delay is due to the security steps linking your account information to the virtual online branch.