Online, Mobile & Telephone Banking

To log in to online or mobile banking:

1. Visit themerrimack.com and locate the online banking login box directly under The Merrimack County Savings Bank logo or access the mobile app on your mobile device.
2. Enter your Login ID and Password
3. If you have not previously registered the device you are logging in from or it is not recognized, you will be prompted to receive a secure access code by phone call, text or email.
4. Select the phone number or email address where you would like to receive your code.
5. Once you receive the code, return to the login page and enter it in the secure access code field and click or tap, submit. If the page does not automatically refresh, click or tap ‘I have a secure access code’ link to enter your code.

View Login Demo

On your home page, each of your accounts is displayed as an account tile. You can click or tap an account tile to view the account details or transaction history. Hold your mouse (or finger) down on an account tile and drag and drop to reorder. Click the three vertical dots next to any account tile for the option to assign your accounts a nickname.

If you click (or press) and hold an account tile, the “create a group” folder icon will appear in the bottom-left corner of the screen. Drag the account to this icon to create a new group. Click the pencil icon next to a group name to rename the group.

On the Account Preferences page in the Settings menu you can organize, assign nicknames, and control the visibility of your accounts all from one place. You can even opt to enroll your accounts in Text Banking on this page.

View Home Page Demo

With Bill Pay, you pay your utilities, your dog sitter, or make a donation to an organization you support. Schedule your payments to ensure they are never missed.

To get started, log in to online or mobile banking and click or tap Bill Pay.

View Bill Pay Demo

Electronics statements are available online as soon as your statement cuts.  Access up to five years of account statements, including check images in six simple steps.

HOW TO ENROLL

Step One: Login to Online or Mobile Banking

Step Two: Go to Services and click on Statement Delivery

Step Three: Click on Delivery Type and select Electronic Statements

Step Four: Accept the E-Statement Delivery Disclosure

Step Five: Select E-Statement for each account listed and click Save

Step Six: Go back to the Services menu and click on Statements. Electronic Statements are provided in PDF format. In order to confirm that you can read files in this format, you will need to click on Get Code and enter the code to Verify.

GOALS gives you the opportunity to pay yourself first and keeps your targeted savings separate from your regular spending and savings accounts—offering you ease, clarity and discipline with your savings! Monitor the progress in your GOALS savings account(s) at a glance with GOALS charts and add extra money at any time to reach your target faster.

Already a Merrimack online and mobile banking user? You’ll find GOALS directly above ACCOUNTS in online banking or the mobile app. If you’re not yet enrolled in online or mobile banking, sign up for online banking or download The Merrimack apple or android app now.

Setting up GOALS is simple!

1. Log in to online banking or the mobile app
2. Tap Start Saving in the GOALS section
3. Select a category and give your goal a special name
4. Enter the amount you want to save and your target date
5. Review and accept the account terms and tap Save Goal

GOALS will automatically calculate how much you need to save monthly, bi-weekly, twice a month, or weekly to reach your target. Choose from the options presented, or customize the amount and frequency to fit your budget. GOALS will walk you through each step of setting up automatic transfers to a separate GOALS savings account—where you can watch your savings grow!

When a goal is complete, you can transfer funds back into your normal transaction account to use them—and if plans change before then, you can modify or cancel goals at any time by accessing your goal and selecting Details.

Please note that GOALS accounts are specific to the individual person that creates the GOALS account. Only that user will be able to view the account details, progress and statements.

Introducing Zelle^®, a fast, safe and easy way to send money to friends, family and other people you trust, regardless of where they bank*. Whether you’re paying rent, gifting money, or splitting the cost of a bill, Zelle^® has you covered.

Learn More

*US checking or savings account required to use Zelle^®. Transactions between enrolled users typically occur in minutes.
Zelle and Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

With online & mobile banking, you can transfer money between your accounts at The Merrimack and at other banks, and even to your friends and family that also bank with us. Set up scheduled or recurring transfers to occur on the dates and at the frequency you designate.

To transfer funds, click or tap Transfer in the Transactions menu. In order to transfer funds to or from a non-Merrimack account, you’ll first need to add and verify the account using the Add External Account and Verify External Account options in the Services Menu. Once an external account is added, it will appear in the From Account and To Account dropdown menus.

To transfer funds to another Merrimack customer, click or tap Deposit Only Accounts in the Transactions menu. You’ll need to provide the recipient’s Last Name, Email, Account Number, and Account Type.

To make a payment from a Merrimack or non-Merrimack checking or savings account, click or tap Make a Loan Payment in the transactions menu. You can even set up scheduled or recurring transfers for the date and frequency you designate.

If you’d like to make your payment from a non-Merrimack checking or savings account, you will first need to add the account by accessing the Add External Account feature in the Services menu.

Click here for a full list of options for making your loan payment.

We also offer a suite of cash management services to help meet the needs of your business, including: business bill pay, ACH and wire processing, direct deposit, accounts payable and receivable, EFTPS tax payments, payment collections, remote deposit and positive pay. And you can even give your employees access to perform some or all of these functions. To sign up for these, please contact a member of our Business Team. Additional fees may apply.

View Cash Management Demos   View Cash Management User Guide

Link your accounts at other financial institutions to your Merrimack online banking so you can see your full financial picture. Our financial management tools will automatically integrate your transactions to help you better analyze your spending, assets and debt.

View Finance Tools Demos

It is important that we have your latest address, phone number and email address on file so that we can reach you promptly. You can notify us of changes to your contact information using the Change of Customer Info option in the Services menu in online & mobile banking, or you can call or visit a branch for assistance.

When you make changes to your contact information, also be sure that the authentication information we have on file in online & mobile banking is up-to-date. These are the phone and email addresses we use to send you a secure code if the device you log in from is not recognized. To update your authentication information in online & mobile banking, access Security Preferences in the Settings menu and click or tap Secure Delivery.

The Secure Messages feature in online banking is where you will find the alert messages you opt to receive information from us about upcoming changes, and where you can send us a message if you’re having trouble with online banking or have a question about your accounts.

It’s always a good idea to send us a Secure Message or give us a call if you will be travelling out of the area. This helps ensure our fraud monitoring systems aren’t surprised by sudden changes in your account use. You can also notify us of your travel plans by calling or visiting a branch.

View Secure Messages Demo

To sign up for telephone banking, call 888.224.6272 or 603.224.6272 and follow the voice prompts. The system will walk you through the process. First-time callers will be prompted to enter their full Social Security Number or Tax Identification Number and create a Personal Identification Number (PIN).