Merchants State Bank Your hometown bank since 1899
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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.

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.

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

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