ATM / Debit Cards

Farmers & Merchants Savings Bank offers ATM cards for easy access to your account through participating ATM machines worldwide. We also offer Debit cards that allow account holders to make purchases in stores or online, in addition to offering the ATM access convenience.

To get your Farmers & Merchants Savings Bank ATM card or Debit card, just stop in at either of our locations and apply today.

Click here for our Electronic Funds Transfer Policy

Lost or stolen card?

If your ATM / Debit card is lost or stolen it's important to act quickly! If you discover your card is missing, contact us immediately.  If it is outside of normal business hours, contact Shazam at (800) 383-8000.


Using your debit card online?  Use MasterCard SecureCode:

We recommend using a credit card or prepaid travel card online due to the risks of possible compromises.  If you decide to use your debit card, consider enrolling in Shazam Secure Code.  Shazam Secure Code uses 3D technology that helps protect card accounts against unauthorized internet transactions by using identity information established between individual cardholders and the financial institution.  Once the cardholder activates the service, the card cannot be used at a participating merchant without authentication by an authorized user of the account.  Enroll now at

Receive email alerts 24/7!

With the Shazam BOLT$ app, you can automatically receive email alerts 24/7 whenever a debit card purchase is made where your card is not present, such as telephone or Internet orders.  You're also notified when potentially fraudulent activity occurs, including purchases for large amounts or transactions in foreign countries.  You'll know right away whether the purchases are you can call immediately and put a stop to any fraud!  Download the Shazam BOLT$ app from your mobile device or enroll via your personal computer (PC) or laptop at


Privileged Status

ATM machines that participate in the Privileged Status Program allow you to avoid ATM surcharging. To find out more details about Privileged Status or to locate ATM machines that participate please click here.

FMSB ATM Locations

Waukon ATM
Farmers & Merchants Savings Bank
201 West Main St.
Waukon, IA 52172
Google Map
Monday - Sunday
24 Hours


Decorah ATM
Walmart SuperCenter
1798 Old Stage Rd., Suite 2
Decorah, IA 52101
Google Map

Monday - Sunday
24 Hours