Merchants Commercial Bank, St. Thomas

Merchants Commercial Bank is an FDIC-insured bank with its St. Thomas office at Tutu Park Mall, Suite 100, and a second office in Cruz Bay on St. John. Its website covers personal deposit accounts, mobile banking, Zelle, cash management, business lending and secured personal loans. For buyers and owners, the mortgage page describes financing for one to four family homes, whether owner occupied or rented out, and for multifamily buildings of five or more units. Loan types include land acquisition loans, construction loans that can convert to permanent financing, purchase and refinance loans with amortizations of up to 30 years, and home equity lines of credit. The bank also posts a list of bank-owned properties. The St. Thomas office has a drive-thru.