Merchants Commercial Bank, St. John

Merchants Commercial Bank keeps a St. John office in the Islandia Building in Cruz Bay, at 18-23 Estate Enighed, alongside its main office at Tutu Park Mall on St. Thomas. The bank lists weekday hours of 9:00 a.m. to 4:00 p.m. and one local phone line, (340) 779-BANK. For St. John residents and owners, it offers personal deposit accounts, mobile banking, Zelle, business lending and secured personal loans. Its mortgage lending covers one to four family homes, including rental properties, plus multifamily buildings. The bank describes land acquisition loans, construction loans that convert to permanent financing, purchase and refinance loans with up to 30 year amortizations, and home equity lines of credit. That mix may suit buyers planning to build on a St. John lot.