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Frequently Asked Questions

What is a customized Check Card?
It's just like a normal check or debit card, except you get to choose the photo or image that appears on the card. Of course, there are image guidelines, but as long as your image complies with those basic rules, you can create a check card that's unique to you.

How do I create a customized check card?
Just go to the Mercantile Bank Custom Card Shop and follow the simple online instructions.

Card customization is easy; there are three simple instructions to follow.

  1. Upload the photo you would like on your card.
  2. Customize the look of your card by enlarging, cropping, or rotating.
  3. Once you are satisfied with the look of your card, hit the submit button.

What if I'm not a Mercantile Bank customer?
You will need a Mercantile Bank checking account with a Check Card in order to use this site to create a customized card. Learn more about Mercantile Bank checking accounts. Please visit our local branch to open an account. As soon as you receive your new Mercantile Bank debit card you can begin customizing it by visiting our Mercantile Bank Custom Card Shop.

Which types of Mercantile Bank cards can be converted into Personalized Cards?
At this time, the following Mercantile Bank cards can be converted into Personalized Cards:

  • Mercantile Bank Regular Debit Card
  • Mercantile Bank Everyday Points Card

Can my joint account holders design their own cards, too?
Sure. Every card associated with the account can be customized by the individual cardholder.

How do I know if my image was approved?
Every submitted image is reviewed for compliance with the Image Rules and Restrictions. Each image also must follow the Visa® Issuing Guidelines as set by Visa International. Once your image is approved, you will receive an approval email and your card will be ordered. This process usually takes 1-2 business days. You will then receive your card in 7-10 business days.

What if the image I submit isn't accepted?
Mercantile Bank will reject an image if it does not meet our Image Guidelines or if it is in breach of a third party's copyright.

We'll notify you by email if there's a problem with your image, and you'll have the opportunity to submit another photo.  In most cases it may be as simple as selecting an image that isn't trademarked or under copyright.  If we send you an email advising that your image has been rejected, simply follow the instructions provided in the email to redesign your card using a new image of your own or one from our image library. You will not be charged a fee for a rejected image.

How often can I change my card design?
Mercantile Bank allows you to change your card design every 12 months for FREE. Any additional changes in a given 12 month period will cost $10.00. The fee will be charged to your checking account.

Does customizing my card change anything about my account, like my PIN number?
No. Your account, your PIN and everything else will remain the same. The only things that would change would be how your card looks, and the expiration date since it's based on your card issue date.

Does a customized card work just like a regular card?
They work exactly the same.

How will I receive my personalized card?
Your card will be mailed to you via the US Postal service.

How long will it take to receive my card?
Mercantile Bank processes and sends out cards daily, you can expect your custom card within 7-10 business days.

When I receive my renewal card, will it still have my personalized image?
Yes. Upon expiration of your card, any reissued cards will have the same image as your most recently requested design. However, if you change your design within 60 days of expiration, you may receive two cards: one with the old design, and one with the new design. And it is possible you might receive the new design first followed by a card with the old design.

How can I turn my picture into a digital photo?
To upload your picture, it must be saved as a digital image on your hard drive. Most photo processing services can scan your photo onto a disk. You can then transfer the photo from your disk to your hard drive for uploading. Remember, the image needs to be saved in either JPEG or BMP formats.

Do I need special software to design my Personalized Card?
In order to process your image, you will need Flash player 6.0 (or higher). If you do not already have Flash player installed, you can download it free of charge at

Can I edit my original image?
Yes, you can. The Mercantile Bank Custom Card Shop enables you to:

  • Change the size of your image
  • Turn your image 90 degrees
  • Create a mirror image
  • Place the image where you want it to be

Can I improve the quality of my image?
Unfortunately we cannot improve the quality of the image. So, make sure you choose a high resolution picture.

Does Mercantile Bank adjust the picture to make it look nicer on the card?
No! Mercantile Bank does not adjust the picture in any way. Please make sure to place the picture exactly where you want it to be and make any adjustments in the card designer. What you see is what you get!

What should I do when I receive my Personalized Card?

If you have converted an already existing Mercantile Bank card into a Custom Card, then it is important as soon as you receive your Custom Card, to destroy your old card. Please note that until you destroy your old card, you shall be liable for the use of both cards, in accordance with the relevant terms and conditions of the contract regulating their use.