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ATM Locations

 lady at an ATMMerchants State Bank offers customers the convenience of an Advantage-Network ATM location in our Freeman and Viborg locations.  Our ATMs are located behind the Freeman and Viborg bank buildings alongside the drive-up windows. 

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 facility to be safe and convenient for you.  Therefore, please tell us if you know of any problem with the 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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