Welcome to Merchants State Bank!    

Merchants State Bank has a rich 112-year history of supporting the communities of  Freeman, Hurley, Viborg and now Irene!  Whether you are looking for personal, agricultural, or commercial services, we can meet your needs with our variety of products and services.   Check out our website, stop in and introduce yourself, call, or e-mail if we can help in any way. On behalf of our staff, thank you for visiting  and banking with us. Freeman, Hurley, Viborg and Irene Your hometown bank since 1899

Beware of Social Engineering over the phone

There have been an increased number of "vishing" events during the holiday season. "Vishing" combines the techniques of social engineering and phone calls to obtain sensitive information from victims. This particular technique uses a pre-recorded message to attempt to have the customer respond with debit card numbers and the associated PINs. We would like to remind you that we will not ask for card numbers or PINs over the phone and we would encourage you to contact us if you feel you might be a victim of this scam.

**Attention Visa Checkcard and Credit Card Customers**
If you are going on vacation or traveling out of state or to another country, please notify the bank so we can make the proper notations on your card, 
ensuring it will work properly on your trip.
Thank you for your business and safe travels to you!

Please see the new information about important disclosure regarding deposit insurance on noninterest-bearing transaction accounts.