Government Banking


Why Choose Merchants Bank?


Merchants Bank is the region’s leader in Government Banking. We have nine branch locations in northeastern Northampton County and almost half of the townships, boroughs and municipalities in the county entrust us with their accounts. We have served the community for over 120 years and our longest government banking relationship dates back to 1969. Proven by our large number of government relationships, our unparalleled level of customer service has expertly and efficiently exceeded our customers’ expectations:


Customer Testimonials:


“Merchants’ ability to deal with government regulations and provide solutions to municipal needs is unsurpassed.“

– Robin Zmoda, Borough Manager, Pen Argyl


“You do take care of your customers! You have all been very helpful and kind with the transition…Thanks again so much. It’s greatly appreciated!”

– Brenda Makovetz, Administrator, Nazareth Borough Municipal Authority Office



Whether big or small, we value every relationship and we know there can be hurdles to overcome when transitioning. That is why every new account has a dedicated transition team that will be on-site and is well-versed in Government Banking and led by our Executive Vice President/Chief Operating Officer. You will receive a transition plan and timeline that is customized to fit the needs of your staff. You will also receive the direct contact information of your designated Merchants Bank representative and other members of our Senior Management Team that are available to you 24/7.


Many local Government Agencies and Education Institutions have major accounts with us. While we have listed many testimonials on our site, we would be happy to provide further references for you.


Customer Testimonials:


“The school has achieved significant savings by transiting our accounts to Merchants Bank, and we have found support and service to be excellent. We are happy to recommend Merchants Bank for any municipality or school district seeking the support and convenience that can be found at a regional banking organization.”

– Ronald R. Roth, Director and Maryellen Miller, Business Manager, Career Institute of Technology


“Excelling at on premise support; everything from the check supply transition to the actual fund withdrawal and deposits was handled professionally and efficiently by your staff. Ongoing Cash Management services as well as customer service to us and our residents has been excellent.”

– Robin Zmoda, Borough Manager, Pen Argyl

Next Step: Free Account Review


Just as you do, we take our fiduciary responsibility to the community very seriously. Compliance to state and federal regulations and maximization of return on investment are both crucial.


Call one of our government bankers at any of our branches to schedule a FREE account review.


Customer Testimonials:


“I would like to thank your staff for the wonderful job Merchants Bank has done in assisting us through a very challenging accounts transition process. Moving nine funds with varying restrictions and requirements was no small task, and you made it a very simple process for my staff and me. The onsite training that you provided to us was great, and access to view the accounts is very simple. To-date the staff at the Forks branch has done a great job with our transactions, and has communicated well when issues arise. The outreach Merchants Bank has extended to the Forks community has been very well received, and, on behalf of our residents and staff, we want to thank you for becoming an integral part of our community.”

– James Farley, Financial Manager, Forks Township.