My caller ID was Municipal Credit;  Web search found 2 comments from 10-2013 & 1-2014 stating caller ID was Merchants Bank NY.  Both posters said they never had an account with Merchants.  Further web searches found that this number WAS used by a Merchants Bank in Manhattan (Joe Chricione) BUT Merchants Bank of NY was acquired by Valley National Bank of Wayne NJ in late 2000.  Also found Joe Chricione listed in a Valley National Bank Directory as Information Technology officer at this number (old webpage?) .  Went to Valley National Bank website and did a search for that name but it returned "no results" .  Yet 13 years later they are calling using Merchant Bank or Municipal Credit as a caller ID?  As usual - don't answer unknown numbers