Merchants State Bank Your hometown bank since 1899
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ATM Locations


 Merchants State Bank offers customers the convenience of two Advantage-Network ATM locations in Freeman.  One of our ATMs is located behind the Freeman bank building alongside the drive-up.  Our other ATM is located in the lobby of the Freeman Shopping Center on Highway 81.

Out of town?  On vacation?  Your accounts are accessible wherever the ADVANTAGE or CIRRUS networks are accepted.  Use our ATM Locator to find an Advantage-Network ATM now. 

Transactions at Advantage ATMs will not incur Merchants State Bank charges.  A service fee may apply at non-Advantage ATMs, or at ATMs where surcharges are imposed by ATM owners. 

Tips for ATM Use:

  • Do not lend your ATM card to anyone.
  • Protect the secrecy of your Personal Identification Number (PIN).  Protect your ATM card as though it were cash.  Do not tell anyone your PIN.  Do not keep a note of your PIN in your wallet or purse.
  • Prevent others from seeing you enter your PIN by using your body to shield their view.
  • Do not leave your ATM card, envelopes or check stubs around the ATM machine.
  • If you lose your ATM card or it is stolen, promptly notify us.
  • Don't display your cash; pocket it as soon as the ATM transaction is completed and count the cash later when you are in the safety of your own car, home, or other secure surrounding.
  • At a drive-up facility, make sure all the car doors are locked and all the windows are rolled up, except the driver's window.  Keep the engine running and remain alert to your surroundings.
  • Record each transaction in your personal account ledger.
  • Compare monthly statements with your records.
  • Be aware of your surroundings.  Do not accept assistance from unfamiliar people at the ATM machine.
  • We want our ATM facilities to be safe and convenient for you.  Therefore, please tell us if you know of any problem with a facility.  For instance, let us know if a light is not working.  Please report any suspicious activity or crimes to both Merchants State Bank and local law enforcement immediately. 

 

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