Convenience Services - Merchants State Bank

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.

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.

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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

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?

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

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: 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!

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

If you wish to make a change to your login or accounts, please contact us. Username and password information may be deleted upon request. Information such as your usage history, account information, and banking activity will be retained in compliance with regulatory guidelines.
We will only accept delete data requests by calling us at 866-228-9747. We will accept correction requests by email at dataprivacy@msb-sd.com or by calling us at 866-228-9747.

Login or Sign Up for Internet Banking today!

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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.

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.