Debit MasterCard®

We recently transitioned from Visa to MasterCard. We’ve been communicating consistently with updates about new card, how to activate it, and your new benefits. The transition is now complete, but if you have any questions about your new card we’re here to help.

With Debit MasterCards, you get MasterCard security and benefits, plus the same great Independent Bank service we always offer.

Below are descriptions of our Debit MasterCards. If you’re a current customer, we’re replacing all personal debit cards, business debit cards, equity access cards (home equity line of credit), and Visa health savings cards. If you have any of these Visa products, you’ll be receiving a new MasterCard by the end of July. If you’re a new debit customer (after June 2), you will receive a MasterCard debit product because we are no longer issuing new Visa cards.

Your Independent Bank Visa credit card will NOT be replaced by a MasterCard, because Visa will still be providing those products.

See our FAQs below to learn more about MasterCard’s benefits, the timing of the transition, and the card replacement process.


Debit MasterCard Products

Debit MasterCard – a convenient way to get cash from any Independent Bank or MasterCard Network ATM,^ and a quick and easy way to make purchases.

Health Savings MasterCard – a convenient way to pay for medical expenses using your health savings account (HSA).

World Debit MasterCard – a convenient way to get cash from any Independent Bank or MasterCard Network ATM,^ and a quick and easy way to make purchases around the world. Plus, it offers you world-class benefits and security features.

Equity Access MasterCard – a convenient way to make purchases using your home equity line of credit.

Business Debit MasterCardclick here for more information.


Free benefits with every debit card

Fraud monitoring
Your account is protected by a 24/7 fraud detection team that uses fraud-monitoring software to identify any suspicious card activity.

Access worldwide
You have access to cash at over 1 million ATMs worldwide through the MasterCard ATM Network.^

MasterCard Zero Liability
You’re not responsible for any purchases if your card is used for unauthorized transactions.*

Extended Warranty Insurance**
Doubles the length of the warranty^^ for up to one year on new products you purchase.

Price Protection**
Within 60 days of purchase of a new item, Price Protection provides a refund for the difference between the price you pay with your card and any advertised lower price. If you have a World Debit MasterCard, your timeframe is 120 days.

Satisfaction Guarantee**
If you become dissatisfied with a product you purchase using your eligible MasterCard card within 60 days of purchase, and the store will not accept a return, you may be eligible for a refund for the cost of the product up to $250.

MasterCard Fuel Rewards Network™
A free loyalty program that helps you save money on fuel so you have more money to spend on things that really matter. Sign up and learn more at and begin earning rewards for doing things you already do every day.

Purchase Assurance®** (World Debit MasterCard only)
Provides coverage against theft of or damage to most new items purchased with your eligible card up to 90 days from the date of purchase.

Identity Theft Resolution** (World Debit MasterCard only)
If someone attempts to steal your identity, Identity Theft Resolution with Wallet Protection** can help you resolve the situation promptly. You get an ID Theft Affidavit and an ID Theft Resolution Kit as well as access to a number of services, including credit bureau notification. You also have access to a 24-hour provider who will lock out all of your reported cards and documents, and, if needed, the provider can coordinate a conference call with your card issuer.

MasterCard SecureCode
We offer a free, easy way to protect your account when you make online purchases. It's called MasterCard SecureCode, and it's a code you must enter to verify your identity every time you make an online purchase. To sign up or get more information, click the MasterCard Secure Code link

Lost or stolen card?

If your ATM/ debit card is lost or stolen, call 888.300.3193 at any time, 24/7.

  • If you know your card number, use the automated system. If you don’t know your card number, a representative will be happy to help.
  • ​If you have additional questions, customer service representatives are also available Monday – Saturday from 8 am – 6 pm (EST) and Sunday from 10 am – 8 pm (EST).
  • You may also visit any Independent Bank branch office to report your missing card. Our banking associates will be happy to assist you. Click here to find the nearest location.

General Questions

Why are you transitioning to MasterCard?
When will the change happen?
How and when will I get more information about my new card?
How do I activate my card?
What cards will be replaced?
What are the new benefits?
Where can I use my new MasterCard Debit Card?
What if I have multiple accounts with debit cards, will each debit card be reissued?
Will the dispute process change if I have an unauthorized debit?
Will my PIN remain the same?
Will my card have the same number?

*Certain restrictions apply. Please see for more details.
**Certain restrictions, terms, and conditions apply. Contact 1-800-MasterCard or see your Guide to Benefits (mailed upon account opening) for full details.
^Fees may apply.
^^For manufacturer’s and U.S. brand warranties.