Merchants Bank eNewsletter
November 2015 - In This Issue:
Is your home ready for winter_
Would You Increase Your Holiday Sales if You Could?
It's as easy as offering gift cards
For the past eight years, gift cards have been the number one most wanted holiday wish list item, according to the National Retail Foundation. How can you make gift cards available to your customers?
Business gift cards video featuring Mike Swanson
Keep Your Home in Good Repair
These tips will help
House with hat and scarf
Minnesota and Wisconsin are known for cold winters. Just how cold? On January 9 and 10 of 1982, the wind chill was reported to be -71 degrees in Minnesota. That type of weather can be fatal to people and animals, and it really does a number on our homes, too. What can you do to prepare your home for winter weather? Learn more. 
Q&A: Merchants Bank EMV Chip Credit Cards
Why EMV chip credit cards are the new payment of choice option
Chip card technology
The term "EMV" stands for Europay, MasterCard and Visa - the original developers of chip cards. These cards increase the security of in-person transactions by generating a one-time use code that can only be read by a register enabled to read chip cards. Learn more. 
Should My Business Pay Employees Through Direct Deposit?
How Direct Deposit can save your business time and money 
Calendar with payday
In 2014, 77% of business payment fraud occurred in the form of paper checks.* Did you know that you can help prevent fraud and provide a benefit to your employees by implementing one simple solution? The answer is direct deposit. Direct deposit of payroll is the electronic transfer and deposit of employees' net pay to their bank accounts anywhere in the U.S. through the Automated Clearing House (ACH) system.  Learn more. 


In Every Issue


New staff    
Congratulations 
New and promoted staff

We're happy to welcome new employees and celebrate promotions of current staff. These employees are looking forward to serving you. Take a moment to congratulate them.  Learn more.
November events at Merchants Bank  
November Events
Hope to see you at these events in November

Our staff invites you to join them at business expos and more throughout November. 
Learn more.
  Nicolai Repair  
Business Spotlight 
Nicolai Repair in Hampton, MN
 
"Proficient, professional and personable. That's our commercial banker, Patti Robertson. At Nicolai Repair, we like working with her because she's easy to talk with, explains things thoroughly and is quick to respond to the needs of our family-owned business. You'll like working with her too."
Learn more about how Merchants Bank can help your business. 

Correct Your Bad Investing Behavior Before It Costs You
By Jamie Pomeroy, Financial Advisor, CFS®
Jamie Pomeroy_ Financial Advisor_ CFS _
Jamie Pomeroy, Financial Advisor,  CFS ®
In case you hadn't heard, the markets can get pretty volatile. No doubt you've heard the television pundits at one time or another telling you that the sky is falling. I thought it necessary to add a little professional perspective, because those television hosts have no accountability and their message is intended to get some sort of emotional reaction from you.  Emotional reactions get viewers and high viewership makes money. Truthfully, I have no idea if the sky is falling or not, but here's the real message. Learn more. 
Investment disclosure
Update Email Preferences  
1-800-944-6285  

Electronic Banking: 1-866-496-0522 

Loan Servicing: 1-800-765-2194 

 

To make sure you receive all Merchants Bank emails, please add info@merchantsbank.com to your address book.  

 

Merchants Bank never shares your email address or private information. For details, visit our privacy policy.

 

If you received this from a friend, subscribe here.

 

© 2015 Merchants Bank. All rights reserved.

Equal Housing Lender. Member FDIC