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ATM & Debit Cards


When you open a McHenry Savings Bank checking account, you choose from two levels of Bank Cards and Services.
ATM Card
Free ATM transactions at any McHenry Savings Bank location. Yes
Choose your own PIN at any MSB owned ATM or customer service location. Yes
24-Hour banking at ATM's worldwide. Yes
Use your Debit Card instead of writing a check anywhere MasterCard is accepted. No
Millions of merchants worldwide. No
Debit Card
Free ATM transactions at any McHenry Savings Bank location. Yes
Choose your own PIN at any MSB owned ATM or customer service location. Yes
24-Hour banking at ATM's worldwide. Yes
Use your Debit Card instead of writing a check anywhere MasterCard is accepted. Yes
Millions of merchants worldwide. Yes

Swipe, Sign & Go!

  • It's quicker than making a trip to the ATM, more convenient than writing checks, and safer than carrying cash.
  • It's accepted at millions of locations worldwide - anywhere MasterCard is accepted.
  • No need to enter your PIN number - just sign as you would for any MasterCard.
  • VISA Debit Card purchases are automatically deducted from your checking account, NO interest to pay.

In case of lost or stolen card, please contact one of our branch locations immediately.

If you need to report a lost or stolen card after banking hours, call the MSB Main Financial Center at 815-385-3000 and leave a message with your name, date and time of call, and issue regarding your card. A Customer Service Representative will call you the next regular business day to assist you in further protecting your accounts. Please refer to your Electronic Funds Availability Disclosure for consumer rights.


If you are planning a trip out of the country or using your ATM/Debit card for international purchases, it will be necessary to notify the bank. McHenry Savings Bank has added an additional security feature to protect your purchases. Please contact Customer Service at 815-385-3000 or email us prior to traveling or shopping outside of the United States.