Card Services
M&M Bank ATM Card
The M&M Bank 24 Hour Teller Card allows customers to use the ATM to conduct routine banking transactions. The Cards are available at all branch locations. For your protection, NEVER keep your PIN number with your card.
- The instant issued ATM card has a pre-assigned PIN number.
- Customers are able to access their current balance.
- There is no fee to use an ATM card at M&M Bank ATMs.
- Limit per 24-hour day is $300.00 per card.
- Replacement card fee is $5.00 after the second card.
M&M Bank Visa Check Card
The Visa Check card is a convenient way for customers to make purchases without carrying
cash or writing a check. The Visa Check card looks similar to a credit card yet works like a
check. For your protection, NEVER keep your PIN number with your card.
- An application must be processed and credit approval is required.
- Customers are able to choose their own PIN number.
- Customers are able to access their previous day’s balance.
- Cash Limit per 24-Hour Day is $300.00 per card.
- Purchase Limit per 24-Hour Day is $800.00 per card.
- Replacement card fee is $5.00 after the second card.
Frequently Asked Questions About Your Visa Check Card
- How do I use my Visa Check card to pay for a purchase?
When you present your Check card for payment, you may be asked to sign a sales slip. Other times you may be asked if you would like to use it as a Credit or a Debit. If you use it as a Debit, you will be asked to enter your PIN number. If you use it as a Credit, you will be asked to sign a sales slip. Regardless of whether you use it as a Credit or Debit the transaction will be deducted from your checking account.
- How do I apply for a Visa Check card?
You may stop by any of our branch locations and complete an application. If approved through a credit check, you will receive your card through the mail within 7-10 business days.
- What should I do if my Visa Check card is lost or stolen?
For your protection, NEVER keep your PIN number with your card. During banking hours call (228) 762-3311. After hours call 1(800) 528-2273 or (228) 934-1234 and select option 6 on our Account Access Line.
- How is my card different from a credit card?
The Visa logo allows you to make purchases anywhere Visa is accepted. However, each purchase is deducted from your checking account and there are no finance or interest charges.
- What should I do if I have a dispute with a merchant?
Contact the merchant and try to resolve the dispute with them. If you are not able to resolve the dispute with them, contact us and we will assist you in filing a chargeback dispute through Visa.
Privacash Pre-Paid MasterCard Gift Cards
- PrivaCash is a pre-paid MasterCard Gift Card that comes in denominations from $25 - $500.
- They can be used anywhere MasterCard is accepted.
- Cost of the card is $5.00 plus the denomination being purchased.
Credit Cards
Visa/MasterCard Credit Cards
- Variable Interest rate of Prime Rate plus 5.9%.
Visa/MasterCard Platinum Cards
- Introductory Interest rate of 4.9% on balance transfers. Otherwise, Prime Rate plus 7.9%.
- Airline, hotel, and cruise rewards earned on purchases.
MasterCard Business Cards
- Variable Interest rate of Prime Rate plus 7.9%.
- Separate accounts will be established for each individual.
- Consolidated or individual statement payment options.
- $30.00 Annual Fee (1-3 cards); $10.00 for each additional card.
Merchant Services
Merchants & Marine Bank offers a wide range of credit and debit card payment processing services for our business customers.
- Competitive Processing Rates. Contact our Card Services Department for current processing rates.
- Merchants receive instant authorization and the funds are deposited into the merchant’s checking account 48-72 hours after the sale.
- 24-Hour Customer Service Support.
- Local representatives facilitate quick problem resolution.
ATM/Debit Card Safety Tips
Card Security
- Treat your card like cash. Always keep your card in a safe place.
- Keep your "secret code," or PIN, a secret.
- Report a lost or stolen card at once.
ATM Security
- Observe your surroundings before making a transaction.
- If anyone or anything appears to be suspicious, leave the area at once.
- If an ATM is obstructed from view or poorly lit, go to another ATM.
- Take another person with you when using an ATM, especially at night.
- Minimize time spent at the ATM.
- Stand between the ATM and anyone waiting to use this terminal.
- Never count your money while at the ATM.
Drive-Up ATM Security
- Keep your doors locked, windows up and engine running while in line.
- Leave enough room between vehicles for a quick exit.
- Before rolling down the window to use an ATM, observe the entire area.
- If anyone or anything appears suspicious, drive away at once.
- If anyone follows you, drive immediately to a crowded, well-lit area and call the police.
Point-of-Sale (POS) Security
- Never let the cashier or anyone else enter your PIN for you.
- Block the view of others when using the POS terminal.
- Be certain the transaction is complete and review your receipt before leaving.
- If you receive cash back from a transaction, put it away before leaving.
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