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Card Services

Out of town?  Can't write a check?  Want to order something online? 

Merchants State Bank has a card to fit your needs.  Choose from several options that allow you to access your checking and savings accounts worldwide.  Avoid the hassle of writing a check.  When you need it...Where you need it!

MasterCard ATM/Debit Card

Your ATM/Debit Card works like a check except 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 MasterCard logo.  Simply present your card and sign your name or enter a PIN.  This card doubles as an ATM card, giving you access to cash when you need it.  Transactions at InstaKey ATMs will not incur Merchants State Bank charges.  A service fee will be applied at non-InstaKey ATMs, and in addition, at ATMs where surcharges are imposed by ATM owners.

For lost and stolen cards, contact Merchants State Bank
or call 1.877.226.2351 after-hours.

Merchants State Bank debit card

Suspicious Activity Procedures

Our processor has an automated process for contacting cardholders to verify suspicious activity on an ATM or Debit Card.

When fraud or suspicious activity occurs on a card, an automated message will be sent to the cardholder via text, call or email.

We encourage all of our customers to educate themselves about ATM and Debit Card security.  Please take some time to review the following external sites for helpful tips and suggestions:

Credit Cards

World Class Cards from People You Trust

Merchants State Bank is here to help you find the card that's right for you.

Consumer Credit Cards

Choosing the right credit card is easier than ever. Whether you want to pay down balances faster, maximize cash back, earn rewards or begin building your credit history, we have the ideal card for you!

No matter which card you choose, you'll enjoy important features like: 

  • Convenient and Flexible Purchasing Power. Accepted at millions of locations worldwide
  • Mobile purchasing capability for added convenience
  • Cardmember Service available 24 hours a day/365 days per year
  • Plus much more!

 For more information on Consumer Credit Cards and to APPLY:

Consumer Card


Business Credit Cards

Choose from our popular business credit card options such as low rate, cash back or flexible rewards to find the one that works best for your business.

No matter which card you choose, you’ll enjoy important features like: 

  • Free online expense reporting tools
  • No fee for additional employee cards
  • Mobile payment capability for added convenience
  • Cardmember Service available 24 hours a day/365 days per year

For more information on Business Credit Cards and to APPLY:

Business Card 


For a copy of the cardholder's agreement for any of our Credit Cards, please contact Merchants State Bank by e-mail or phone, 1-866-228-9747.


VISA Secure

Your Visa Credit Card is equipped with VISA Secure- 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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