Merchants State Bank Your hometown bank since 1899
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Advantage ATM Card Cash at your fingertips! 


Free with any checking or savings account, enjoy safe and convenient access to cash with an Advantage ATM Card.  With millions of participating ATMs worldwide, your accounts are at your fingertips wherever the ADVANTAGE or CIRRUS networks are accepted.

  • Withdraw Cash
  • View Balances
  • Transfer Funds
  • Make Deposits (at participating ATMs)

Transactions at Advantage ATMs will not incur Merchants State Bank charges.  A service fee will be applied at non-Advantage ATMs, and in addition, at ATMs where surcharges are imposed by ATM owners.

For lost and stolen cards, contact Merchants State Bank
or call 1-800-236-2442 after-hours.

If a card is lost during international travel, call 1-414-291-8411.

Find an Advantage ATM near you.

Picture of ATM Card

Actimize Update
Our processor has a new automated phone process for contacting cardholders to verify suspicious activity on an ATM or Checkcard.  The process applies to customers whose institutions participate in Actimize (Actimize Fraud Analyst) detection tool.

When fraud or suspicious activity occurs on a card, an automated message will be sent to the cardholder's telephone:
"This message is for (cardholder's name).  We are calling on behalf of your financial institution concerning your debit or ATM card.  Please return this call at 1-800-830-1925.  Thank you."

Incoming calls from cardholders are answered by Actimize fraud analysts 24 hours a day, seven days a week, 365 days a year.  Actimize will NOT ask the customer for account information because the card is on a list of outstanding alerts.  Never release information over the phone unless you initiated the call using a listed number directly to your financial institution.

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