Merchants State Bank Your hometown bank since 1899
Internet Banking
What's New
Online Services
About Us
Contact Us

VISA ATM/Checkcard


Your ATM/Checkcard works like a check, only it's faster, easier and more convenient.  While it looks like a credit card, your purchase amount is automatically deducted from your checking account electronically.  The card is accepted worldwide at all merchants displaying the VISA logo.  Simply present your card and sign your name or enter a pin.  Or, use it to make purchases online.

This card doubles as an ATM card, giving you access to cash when you need it.  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.

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 transctions 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.

Consumer Eduction

We encourage all our customer to educate themselves about ATM and Checkcard security.  Please take some time to read through the following external sites for helpful tips and suggestions:

Verified by Visa

Your Advantage Checkcard is equipped with Verified by Visa - a free, simple-to-use service that confirms your identity with an extra password when you make an online transaction. To learn more, visit

[ Home | What's New | Rates | Products | Services | Online Services | About Us | Contact Us ]
Browser Requirements
Privacy Policy  |  Notices, Terms, and Conditions
Design & Hosting by D+H
Copyright D+H All Rights Reserved.
contact us calculators rates check reorder