Holiday Hours:

Merchants and SouthPoint Bank locations will be closed Monday, June 19th.


The Merchants Way

At Merchants Bank of Alabama, a division of SouthPoint Bank, we take a different approach to banking. Where other banks see dollar signs, we see value. Where others see profits, we look for potential. While other bankers make deals, we make promises. Avoiding the usual way banking is done, has done a great deal for our reputation, and where we live reputation matters. There are a number of ways The Merchants Way has made us one of the number one local banks in deposits year after year.

We’re a bank where the customer matters.

From drive thru banking lanes that open at 7:30 am to Saturday morning banking hours, we make service a priority and we really do listen to what you have to say.

We strive to be a different kind of bank.

We’ve grown, not changed. Doing the right thing, not the easy thing is still our business model. And why we’re the model of a successful hometown bank.

We put ourselves in your shoes.

We take the time, take the trouble and take your side. Step one is always putting ourselves in your shoes to meet your needs, from balancing a checkbook to financing a home.

The people you are talking to can make decisions.

Our lenders make decisions without having to make a call to Charlotte or Houston. Decisions are made right here in Cullman County by the same lender you spoke with, often in the same day.

Giving back to the community isn’t just a catch phrase.

It’s not just lip service. It’s a culture of service that springs from being one of the oldest community banks in the country. Our employees sit on boards, volunteer at charity events, and show up when neighbors need them most.

Our culture instills family values to create a family atmosphere.

People notice our welcoming atmosphere and the warmth of our team. We believe great people are as important as great products.

We make our customers happy.

We want to make you money, but just as important to us is making you happy. That is the real formula for a healthy bank balance.

We want it to work.

If the solutions we deliver don’t work, then we haven’t done our job.

We want you to come into the bank.

While we are launching new ways for you to bank, we still don’t want to lose the face to face contact we have with our customers. While other banks are cutting staff, we never want to get away from the personal touch.

Your future matters.

We share a community, which means we share a future.  Your success is important to the success of our hometowns. That’s why we take a vested interest in your business, and take the long view in our relationships.


Merchants Bank

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