What are the fees for using an ATM?

Merchants National Bank offers its customers convenient access to ATM services without charging any fees for using an ATM within its own network. However, if you use an ATM outside of the Merchants National Bank network, certain fees may apply. These fees are usually charged by the operator of the ATM and can vary depending on the location and network used. To minimize these fees, we recommend using Merchants National Bank's extensive ATM network, consisting of numerous branches and partner locations. Additionally, as part of our commitment to customer satisfaction, we provide fee disclosure information on our website and encourage customers to review this information before using an ATM outside our network to make an informed decision.