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 beapplied 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

Suspicious Activity Procedures

Our processor has a new automated phone process for contacting cardholders to verify suspicious activity on an ATM or Checkcard.

When fraud or suspicious activity occurs on a card, an automated message will be sent to the cardholder's telephone. If a live contact is reached, the following messege will be given:

This is the Fraud Service Center with an important call for (cardholder). Para continuar en espanol. oprima 2. We are calling on behalf of MSB about possible unauthorized transactions on your (Visa/debit/ATM) card account. If you are (cardholder) please press 1. Otherwise, press 2

If the customer presses 1, the message continues:

For security purposes please enter the last 4-digits of your social security number. Thank you. We need to verify the following (number) transactions. For each transaction you will hear the merchant's name, dollar amount, transaction date, country if outside of United States and if transaction is invalid or unrecognized, press 2. To repeat this transaction, press 3. To hear the merchant description for this transaction, press 4.

If an answering machine or voicemail is reached the following message is given:

Hello. This is the Fraud Service Center with an important message for (cardholder). We are calling on behalf of MSB about possible unauthorized transactions on your (Visa/debit/ATM) card account. To protect your account and to avoid potential service interruption, please call us at 1-800-xxx-xxxx.

For expedited service, please refer to case number (number). If you are outside the U.S. or Canada, please call us collect at 727-227-2447. Again, please call us at 1-800-xxx-xxxx. Your case number is (number). We are open 24 hours a day, 7 days a week. Thank you.

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