Banco Mercantil Universal Mercantil Banco Universal is a full-service bank founded in 1925 and headquartered in Caracas, Venezuela. It offers a comprehensive range of banking and financial products and services, including deposit products (such as restricted, demand and time deposits, and checking and savings accounts); credit products (including letters of credit, credit cards and commercial, agricultural, car, and construction loans) and investment securities. It also provides credit cards, foreign trade services, factoring, financial lease contracts and financial intermediation services. The bank has a network of 266 offices nationwide, 1,408 ATMs and 53,387 sales points to serve its customers. Internationally, Mercantil Banco Universal has representative offices in Colombia, Peru, Mexico, Brazil and the US.