*ATM cards are also available if customer is not
approved for MSB VISA© Check Card
VISA©/MasterCard Merchant Card Acceptance Program
Muenster State Bank offers merchants the ability to
accept VISA© and MasterCard credit cards and debit cards. Terminals and
printers can be purchased or leased by the business, and service can be
provided year round or seasonally. Call us for more details on pricing and
contract terms.
Safe Deposit Boxes
If you are looking for a safe place to store you
important documents or valuables, we have the place for you. Muenster
State Bank offers a variety of safe deposit box sizes to fit your needs and
budget. Only those individuals authorized are allowed to access the safe
deposit box.
Direct Deposit
Direct deposit allows a customer to have their
paychecks or U.S. Treasury checks automatically deposited into their
account. Their employer or the government will need specific bank
information such as MSB’s routing number and the customer’s account number.
Direct deposit relieves the customer from making trips to the bank which
saves time. It is also faster than mail. Call or come by the bank for more
information and ask your employer if they offer the service.
Bank by Mail
Bank by Mail is a free service offered by the bank.
Come by the bank and pick up some of our postage paid envelopes to use for
deposits, loan payments, or any other correspondence you may need to make
with us. These envelopes can be dropped in the mail or in the night drop at
the bank. Bank by Mail is convenient for customers who don’t have access to
the bank during banking hours, especially our out of town customers and
those who work during banking hours.
Automatic Teller Machine (ATM)
Our ATM machine can be used by anyone with an ATM card, debit/check card,
or credit card. Muenster State Bank ATM/VISA© Debit Card holders can
use our ATM free of charge with their MSB issued cards. The ATM gives
customers the ability to withdraw money from checking or savings accounts,
check their balances, and transfer funds between accounts.
Overdraft Protection
Overdraft protection is a privilege offered to those
customers who keep their accounts in good standing. OD protection will pay
checks/debits on your account up to -$300.00. It protects you from returned
check fees from businesses on which you wrote checks. It also saves you the
embarrassment of having to take care of an insufficient check. The bank
will charge you a set fee for each overdraft item it pays.
Money Orders
Muenster State Bank offers money orders for our current
customers. They can be purchased by our customers for any amount, and the
fee for purchasing one is $1.00.
Traveler’s Checks
Traveler’s checks are used as a substitute for cash.
Many people use them on vacations because they are safer than cash and are
more widely accepted than personal checks. Unlike cash, traveler’s checks can be
replaced if they are lost or stolen. The fee for purchasing
them is 1% of the purchase amount.
Credit Cards
Muenster State Bank offers credit cards through a
correspondent bank. You choose to bank with us, why not carry our card?
The credit cards have Muenster State Bank named on the card. There are
several options to choose from, and they start out with a low introductory
rate. Certain cardholders are eligible for airline mileage rewards.
24-Hour Depository
Muenster State Bank offers a 24-hour depository for
your convenience. Drop off deposits or loan payments during or after
hours. The deposits/payments drop directly into a safe for your ultimate
security. It is the most reliable way to make cash deposits that will
otherwise be left unattended during the night. Commercial businesses also
make use of the depository for their after hours depository needs. Lock
bags can also be deposited by customers if they obtain a key from the bank.
Wire Transfers
Muenster State Bank can perform both domestic and
international wire transfers to other financial institutions for current
account holders.
