Merchants Bank is a full-service bank that specializes in trust services, risk management, capital market, retirement planning, international banking, estate planning, government banking services, and foundation and endowment services. Additionally, the bank provides merchant services, credit and debit cards, gift and traveler s checks, business checking accounts and a variety of loans. It is a part of the Merchants Financial Group, which manages a large correspondent mortgage banking operation and servicing portfolio. Merchants Bank provides a variety of savings accounts, such as treasury index fund, money market savings, children accounts, thrift savings and statement savings accounts. It also provides phone and Internet banking services. Merchant Bank operates through 14 full-service branches. It has one of its locations in Winona, Minn.