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| 正面描述 | Black intaglio print over red and yellow underprint, with red serial numbers. A portrait vignette of Miguel Lerdo de Tejada (ABNC engraving C 261) is positioned at the left. The composition includes the bank's promise-to-pay inscription and date in the main field. |
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| 背面描述 | Printed in green with green seals, the reverse centres on a vignette of the port of Veracruz (ABNC engraving C 651) positioned right of centre. The design is executed in a single-colour intaglio scheme with guilloche border work framing the central vignette. |
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The Banco Mercantil de Veracruz operated under the concession framework established by Mexico's 1897 Ley General de Instituciones de Crédito, which restricted note-issuing rights to a small number of state-chartered banks. Veracruz, as Mexico's principal Gulf port and commercial hub, warranted its own institution, though the bank remained firmly secondary to the Banco Nacional de México in terms of circulation reach.
American Bank Note Company handled most of Mexico's state bank commissions during this period — the Mercantil de Veracruz was no exception. The series remained in circulation until the Revolutionary banking crisis forced suspension of redemption obligations after 1913, leaving large quantities of unredeemed notes outstanding when the Carranza government nationalized and wound down the old banking system entirely by 1916.