Debit MasterCard®

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. See our FAQs below to learn more about MasterCard’s benefits.

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**
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.

(NEW) MasterCard Identity Theft Alerts
MasterCard uses internet surveillance technology to monitor thousands of websites and millions of data points to alert enrolled cardholders if their personal information is found. When compromised data is discovered, cardholders receive a real-time email alert and are advised to contact an Identity Theft Specialist. Cardholders may enroll for MasterCard Identity Theft Alerts at and select which personal information they would like monitored for FREE,*** including Social Security number, driver's license, passport number, bank account information, email addresses, and medical information. You are not required to supply all of this information, however, the more information provided, the more effective the service. This service is available for credit, debit, small business, and certain reloadable prepaid cards (MasterCard or other).

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

How do I activate my card?
What are the MasterCard benefits?
Where can I use my new MasterCard Debit Card?

*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.
***Must have a MasterCard to enroll in the service, but are not limited to loading only MasterCard for monitoring.
^Fees may apply.
^^For manufacturer’s and U.S. brand warranties.
+MasterCard SecureCode only works with participating merchants.