Independent Since 1921

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Independent Since 1921 On January 3, 1921, Merchants National Bank opened the doors to a new marble bank building at 1015 7th Street in downtown Sacramento.

Sacramento grew and prospered, and so did Merchants. The bank became a valuable business partner with Sacramento s oldest and finest businesses.

A great deal has changed since 1921. But Merchants continues to uphold the high standards of service, stability and value that have made our bank successful.

Outstanding customer service the employees always go out of their way to assist us. Banking is a pleasure, not a chore, with Merchants.

2 Independent Since 1921 On January 3, 1921, Merchants National Bank opened the doors to a new marble bank building at th Street in downtown Sacramento. Customers were greeted by name. The bank s founders worked at oak desks next to the front door. The bank provided no-fee checking. Sacramento grew and prospered, and so did Merchants. The bank became a valuable business partner with Sacramento s oldest and finest businesses. Merchants successfully weathered the Great Depression of the 1930s turning a profit every one of those years to become one of the safest banks in California. A great deal has changed since But Merchants continues to uphold the high standards of service, stability and value that have made our bank successful. Merchants National Bank circa The Cheers of the banking world, where everybody knows your name, a rarity in today s business climate. Outstanding customer service the employees always go out of their way to assist us. Banking is a pleasure, not a chore, with Merchants. Allyson Dalton Fox & Goose Public House Customer since 1995 We still serve customers from our landmark building on 7th Street, now listed on the National Register of Historic Places. Our staff greets customers by name just as they always have. The bank s chairman and president still work at the founders original oak desks by the door. And perhaps our most important tradition relationship banking since 1921.

Standards of service few banks can equal In a world where bank closings and mergers are commonplace, Merchants is a rock of stability.

Few banks can equal our standards of service. There s no absentee decision-making, no getting lost in voice mail, and no bureaucratic hurdles.

Save with Merchants no-fee services Merchants on opening day, January 3, 1921.

businesses. From the beginning, our clients have included manufacturers, professionals, retailers, farmers and individuals.

The long-term relationships that built the bank now carry us into the 21st century.

After researching local banks, we discovered Merchants. They had the solid safety ratings, continuous ownership, and the reputation for service that we were looking for.

Marlene and Walter Goetzeler Freeport Bakery Customer since 2009 Premiums given to Merchants customers, dating from the 1920s.

3 Standards of service few banks can equal In a world where bank closings and mergers are commonplace, Merchants is a rock of stability. Owned and managed by the founding family, Merchants is the oldest bank in Sacramento operating under its original name and charter. Our independence is one of the bank s greatest strengths. Few banks can equal our standards of service. There s no absentee decision-making, no getting lost in voice mail, and no bureaucratic hurdles. When you have questions, you can talk to someone with answers. It s the way banking should be. Merchants continues to serve customers from its original location. Save with Merchants no-fee services Merchants on opening day, January 3, A complete range of financial services A history of partnership with Sacramento businesses and families Merchants has a long and important history of helping build many of Sacramento s best-known businesses. From the beginning, our clients have included manufacturers, professionals, retailers, farmers and individuals. Some businesses and families have banked with us for four and five generations. Customers have moved as far away as Europe, Asia and the Middle East, and continue to bank with us online and by mail. The long-term relationships that built the bank now carry us into the 21st century. After our so-called business bank was gobbled up yet again by an even bigger corporation, with even worse service, we knew it was time for a change. After researching local banks, we discovered Merchants. They had the solid safety ratings, continuous ownership, and the reputation for service that we were looking for. Merchants made the transition easy and smooth we couldn t be happier. They re everything we want in a business bank and more. Marlene and Walter Goetzeler Freeport Bakery Customer since 2009 Premiums given to Merchants customers, dating from the 1920s. Free personal checking Free Online Bill Pay Free traveler s checks Free notary service Free signature guarantee Most banks today generate income by imposing a laundry list of fees on their customers. Not Merchants. We offer many services with no fees. People often ask us, How is this policy possible? Quite simply, our operating costs are substantially lower than those of most banks. Decades of prudent management have kept our costs low, and we pass the savings on to you. Many new business customers save hundreds even thousands of dollars in fees annually when they move to Merchants. Business checking personal checking and savings Online banking Remote deposit capture NOW interest-bearing checking Business and personal loans and lines of credit Certificates of Deposit Money market accounts Individual retirement accounts Discount brokerage services: stocks, bonds and mutual funds* Safe deposit boxes Currency cutter, circa 1917, from our lobby display of banking memorabilia. H.H. Robinson co-founded Merchants in rated one of the safest banks in California and the nation Year after year, the most prestigious financial rating services give Merchants top ratings for financial safety, including a five-star rating from Bauer Financial, a Blue Ribbon designation from Veribanc, and an A+ rating from Institutional Risk Analytics. Recessions and depressions have had almost no effect on the bank. Merchants has posted a profit every year since we opened in 1921 an accomplishment few banks in the country can match. * Discount Brokerage Services The products offered 1) are not FDIC insured, 2) are not deposits or other obligations of the bank or guaranteed by the bank, and 3) involve investment risks, including possible loss of principal amount invested.

Backed by the full faith and credit of the United States government Conveniences to make banking simpler Online banking Free online bill pay Atm/Debit cards Free courier service

If your business is located within the Greater Sacramento area, our free courier service will pick up and drop off your transactions.

Call Merchants today we d like to be your bank Almost every bank makes claims about personal service, but few truly deliver. Merchants is one of the few.

It s the personal service that makes Merchants so different. Everybody at the bank knows you. When you call, they can give you answers on the spot.

4 Backed by the full faith and credit of the United States government Conveniences to make banking simpler Online banking Free online bill pay Atm/Debit cards Free courier service Postage-paid banking by mail Direct deposit Free parking We know your time is valuable, so we offer free services to make banking more convenient. If your business is located within the Greater Sacramento area, our free courier service will pick up and drop off your transactions. You can bank by mail (we ll pay the postage, of course.) You can also use our free online banking services to pay bills, check your account balances, and more. Call Merchants today we d like to be your bank Almost every bank makes claims about personal service, but few truly deliver. Merchants is one of the few. That s why so Merchant s courier bag, circa many customers recommend us to friends, associates and family. Give us a call we d like to be your bank. It s the personal service that makes Merchants so different. Everybody at the bank knows you. When you call, they can give you answers on the spot. The people at Merchants have a personal connection with their customers. It s a great institution I wish there were more businesses like it. Joe Genshlea Customer since Seventh Street Sacramento, California Phone (916) Fax (916) Each depositor insured to at least $100,000 FDIC Federal Deposit Insurance Corporation

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