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Card Services


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 branches. For your protection, NEVER keep your PIN (personal identification number) with your card.

  • The instant issued ATM card has a pre-assigned PIN.
  • Customers are able to access their current available balance.
  • There is no fee to use an ATM card at M&M Bank ATMs.
  • Cash limit per 24-hour day is $500.00 per card 
  •  Purchase limit per 24-hour day is $1,200 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 (personal identification number) with your card.

  • An application must be processed.
  • Customers are able to choose their own PIN.
  • Customers are able to access their current available balance.
  • Cash Limit per 24-Hour Day is $500.00 per card.
  • Purchase Limit per 24-Hour Day is $1,200.00 per card.
  • Replacement card fee is $5.00 after the second card.

M&M BANK VISA Business Check Card

The VISA Business Debit 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 (personal identification number) with your card.

  • An application must be processed.
  • Customers are able to choose their own PIN number.
  • One card per signer on the business account.
  • Customers are able to access their current available balance.
  • Cash limit per 24-Hour Day is $300.00.
  • Purchase limit per 24-Hour Day is $800.00.
  • Replacement card fee is $5.00.
  • Business Debit Cardholders must sign an Indemnity Agreement.

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FREQUENTLY ASKED QUESTIONS REGARDING YOUR VISA CHECK CARD

Q. How do I use VISA Check card to pay for a purchase?
A. 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 Credit or Debit. If you use it as Debit, you will be asked to enter your PIN (personal identification number).   If you use it as Credit, you will be asked to sign a sales slip. Regardless of whether you will use it as Credit or Debit the transaction will be deducted from your checking account.
 
Q. How do I apply for a VISA Check card?
A. You may stop by any of our branch locations and complete an application. You will receive your card through the mail within 7-10 days.
 
Q. What should I do if my VISA Check card is lost or stolen?
A. For your protection, NEVER keep your PIN (personal identification number) with your card. During banking hours call (228) 762-3311. After business hours call 1(800) 417-8715 or (228) 934-1234 and select option 6 on our Account Access Line.
 
Q. How is my card different from a credit card?
A. 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.
 
Q. What should I do if I have a dispute with a merchant?
A. Contact the merchant and try to resolve the dispute with them. If you are not able to resolve the dispute with them we will assist you in filing a chargeback dispute through our VISA processor.
 

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VISA CONSUMER CREDIT CARDS

All M&M Bank credit cards are issued through Elan Financial Services.  Our suite of reward cards allows you to redeem your credit card points for cash, travel, merchandise and gift cards.  Rates and programs vary, so please visit with our new account representatives to see which card is right for you!

1. VISA Bonus Rewards Card

  • With no annual fee, you can earn 1 point for every net $1 you spend* and get a 25% bonus on all points earned monthly!

2. VISA Bonus Rewards PLUS

  • Featuring no annual fee, this card earns 1 point for every net $1 you spend* and gets a 50% bonus on all points earned monthly!

3. VISA Platinum Card

  • With no annual fee, you can enjoy the everyday convenience of this non-rewards card.

4. VISA College Rewards Card

  • With no annual fee, this card lets enrolled college students build credit, enjoy financial freedom and still earn rewards on everyday purchases.  

* The Elan Rewards Program is subject to change at the discretion of Elan Financial Services.  Points earned on net purchases (purchases minus credits and returns).  Points expire 5 years from the quarter in which they are earned.  Cardmembers can earn a maximum of 30,000 points per year.

 

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VISA BUSINESS CREDIT CARDS

1. VISA Business Bonus Card

  • Featuring No Annual Fee, this card earns 1 point for every net $1 you spend* and gets a 25% bonus on all points earned monthly!  Separate accounts can be established for each individual cardholder, and the account also features consolidated or individual statement payment options.

2. VISA Business Card

  • This traditional business card offers No Annual Fee and lets business owners enjoy the everyday convenience of a non-reward card.

VISA Business Bonus Rewards PLUS Card

  • With a $50 annual fee, this card earns 1 point for every net $1 you spend* and gets a 50% bonus on all points earned monthly!

* The Elan Rewards Program is subject to change at the discretion of Elan Financial Services.  Points earned on net purchases (purchases minus credits and returns).  Points expire 5 years from the quarter in which they are earned.  Cardmembers can earn a maximum of 30,000 points per year.

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MERCHANT SERVICES

M&M Bank in partnership with Payment Express Systems offers a wide range of credit and debit card payment processing services for our business customers.

  • Competitive Processing Rates. Contact our Card Services Department at (228) 934-1229 for current processing rates.
  • Merchants receive instant authorization and the funds are deposited into the merchant’s checking account within 48 business hours.
  • 24-Hour Customer Service Support.
  • Local representatives facilitate quick problem resolution.
  • We provide processing for VISA, MasterCard, American Express, Discover, Diners, Carte Blanche, JCB, and Debit Networks.

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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 immediately.

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 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 the 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 put it away before leaving.
  • Record each and every transaction.
  • Keep transaction receipts for bank verification.

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M&M BANK VISA GIFT CARD

M&M Bank will be bringing a new gift card to our customers in 2013.  More details to follow!

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