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Convenience Services

Every customer's needs are different.  At Merchants State Bank, we offer a wide array of convenience services to fit your everyday and special occasion needs.  View our offered convenience services below to learn more about them. 

 
Safe Deposit Boxes

A safe deposit box is the best place to stash the things you cannot replace!  Are your valuables safe?  Do you know where to find all of your important documents?

 

Merchants State Bank offers Safe Deposit Boxes at the Freeman, Hurley, Viborg, and Irene branches for your convenience.  The fees for these boxes range from $9.00 to $24.00 per year - only pennies a day to secure your most important items.

View our Locations

Locations

Some things you may want to consider storing in a safe deposit box:

  • Auto Titles
  • Bills of Sale
  • Birth / Death Certificates
  • Citizenship Papers
  • Certificates of Deposit
  • US Savings Bonds
  • Stock and Bond Certificates
  • Home & Life Insurance Policies
  • Home inventories or photos
  • Jewelry & Loose Stones
  • Leases
  • Marriage Certificates
  • Mortgage Papers
  • Passports
  • Photo Negatives
  • Social Security Documents
  • Deeds
  • Wills
Mobile App

 

With our mobile app you can access your accounts anywhere anytime. Deposit checks straight from your phone or tablet. Transfer funds from one account to another.

Find us in your app store, Search: MSB-SD or Merchants State Bank and look for our Logo:

MSB Mobile app logo

Downloan on the Apple App Store

Download from the Apple App Store

Get if on Google Play

Download from Google Play Store

eStatements

You now have the opportunity to Go Green and opt-in to an estatement only option.  

With estatements you will be notified via email when your estatement is ready. You will no longer receive a paper statement in the mail for your checking and savings accounts.

Some of the benefits of Estatements are:

  • Green – Save time, trouble and trees; reduce your environmental footprint & avoid the clutter and waste by eliminating paper statements.  
  • Secure - Reduces the risk of fraud and identity theft that comes with paper statements.
  • Simple – Access your statements anywhere you can access internet banking. Eighteen months of past statements available 24/7.
  • Fast – Don’t wait for your statements to arrive via standard mail.
  • Free – What more can we say?
Night Depository

If you are unable to visit the bank during normal banking hours, use our Night Deposit service to make your deposits. We provide you with a secure and safe way to deposit your personal deposits or your business' daily sales at any time at any of our four locations.

Tips for Night Depository Use:

  • Ensure each part of your transaction is labeled with your account number, where appropriate
  • Prepare your transaction at home (for instance, by filling out your deposit slip)
  • Record each transaction in your personal account ledger
  • Compare monthly statements with your records
  • Do not leave envelopes or check stubs around the night drop
  • Be aware of your surroundings.  Do not accept assistance from unfamiliar people at the night depository
  • We want our night deposit 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
ATM Locations

Merchants State Bank offers customers the convenience of an InstaKey ATM location in our Freeman and Viborg locations.  Our ATMs are located behind the Freeman and Viborg bank buildings alongside the drive-up windows.
 
Transactions at InstaKey ATMs will not incur Merchants State Bank charges.

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
Phone Banking

Phone Banking: Private, Easy, & Convenient
Miles from the nearest computer?  Access your account 24 hours a day, 7 days a week by telephone with Phone Banking - your around the clock connection to Merchants State Bank.  With Phone Banking, you have access to the information you need most often for checking, savings, certificates, and loan accounts.  You can quickly and easily make account balance inquiries, transfer money between accounts, review recent transactions, and check loan payment amounts and due dates.

Phone Banking Access
Toll Free: 1-888-242-0230

Contact us to sign up today!

Text Banking

Use your mobile phone texting capabilities to access your bank information!  With Text Banking, you can receive balance information, view recent transactions, or communicate with the bank.  To sign up, log into the Internet Banking website or the mobile app and select Text Banking from the menu.

Internet Banking

Merchants State Bank offers FREE Internet Banking!
It's  safe, fast, and easy to use.

If you find yourself pressed for time like most of us these days, our Internet Banking service is perfect for you.  Internet Banking can be accessed 24 hours a day, 365 days a year from anywhere!  Monitor your accounts from the office, view activity while on vacation, or balance your checkbook at home without waiting for your statement to arrive in the mail.

Merchants State Bank's Internet Banking Features:

  • View real-time account balances
  • Transfer money between accounts
  • Make payments on loans and personal lines of credit
  • Obtain previous and current statement information
  • View images of deposits and withdrawals
  • Download transactions into spreadsheets or Quickbooks
  • Access free Bill Pay services
  • Reorder checks
  • Person to Person (P2P) payments
  • Transfer money between external accounts

Login or Sign Up for Internet Banking today!

Login

Sign Up

Check Reordering

Save time and order your checks online in a secure environment over a secure connection!

With Main Street Checks, you can choose from a wide selection of checks that reflect your style and personality.  From the simple to the elaborate, Main Street Checks has a check style for you!

Order your checks today! 

Order Checks

Please contact us if you have any questions or need assistance with your order.

Notary Public

Merchants State Bank has FREE notary public services.

A notary public is an officer who can administer oaths and statutory declarations, witness and authenticate documents and perform certain other acts varying from jurisdiction to jurisdiction.

These services will be available throughout the week from 9:00am to 4:00pm, Monday through Friday.  If you have further questions about this service, please contact us at any of our branch locations.

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