In observance of Memorial Day, all branches will be closed on Monday, May 27, 2019. We will resume all regular business hours on Tuesday, May 28, 2019. 

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Debit Mastercard®

With your Independent Bank Debit Mastercard, you get Mastercard's security and benefits, plus the same great Independent Bank service we always offer.

Debit Mastercard Products

Debit Mastercard

IB_Debit_Consumer

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

2015_Chipped_MC_IB_Art_Health Savings

A convenient way to pay for medical expenses using your health savings account (HSA).

Equity Access Mastercard

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A convenient way to make purchases using your home equity line of credit.

World Debit Mastercard 

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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.

FREE Benefits of the World Debit Mastercard

  • ShopRunner - Get FREE 2-day shipping and FREE return shipping at more than 140 top online stores with a complimentary ShopRunner membership (valued at $79 per year).1
  • OneFineStay - Enjoy 10% off bookings on OneFineStay, which offers professionally-vetted vacation homes with hotel-like amenities.2
  • Purchase Assurance®** - 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.

^Fees may apply.
1Certain terms, conditions, and exclusions apply. Please see your guide to benefits for details or call 800.MASTERCARD.
2These are summary descriptions only. Certain terms, conditions, and exclusions apply. Call 800.MASTERCARD for assistance. Applicable to U.S. Cardholders only. Valid for Independent Bank World Mastercard.
**Certain restrictions, terms, and conditions apply. Contact 1.800.Mastercard or see your Guide to Benefits (mailed upon account opening) for full details.

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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.^

^Fees may apply.

Mastercard Zero Liability

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

*Certain restrictions apply. Please see www.mastercard.us/zero-liability.html for more details.

Extended Warranty Insurance**

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

**Certain restrictions, terms, and conditions apply. Contact 1.800.Mastercard or see your Guide to Benefits (mailed upon account opening) for full details.

^^For manufacturer’s and U.S. brand warranties.

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.

**Certain restrictions, terms, and conditions apply. Contact 1.800.Mastercard or see your Guide to Benefits (mailed upon account opening) for full details.

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.
 
**Certain restrictions, terms, and conditions apply. Contact 1.800.Mastercard or see your Guide to Benefits (mailed upon account opening) for full details.
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 fuelrewards.com and begin earning rewards for doing things you already do every day.

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 Mastercard.us/idtheftalerts 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).

Download our Account & Card Alerts take-one for more information.

***Must have a Mastercard to enroll in the service, but are not limited to loading only Mastercard for monitoring.

Mastercard SecureCode

The security and privacy of your payments is important. We offer a free, easy way to protect your account with your own personal password every time you make online purchases.  It's easy, safe and free.

Set it up or login here.

Mastercard Chip Card Technology

A new level of security at your fingertips. 

Introducing the new Independent Bank Debit Mastercard with chip technology that offers enhanced security with every transaction.

  • Embedded Microchip
    The new card will have an embedded microchip for more secure transactions. Simply insert your card at checkout, when possible. If a chip-friendly reader is not available, you can swipe your card as you always have.
  • Secure PIN Number
    When you use your chip card, you will either enter your PIN or sign to verify who you are at checkout. The card terminal will tell you what you need to do. For a PIN reminder or other questions, please call 888.300.3193.

For more information on chip card technology benefits for consumers, click here.

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 Click here for chip card technology benefits for merchants and their customers.

 

 

 

Card Controls

Independent Bank offers Card Controls with all of our Debit Mastercards.®

You have the ability to securely control various features of your card right from your smartphone!

How to use your Independent Bank Card Controls:

  • If you are already enrolled in Mobile Banking, open the Independent Mobile app on your smartphone and select More from the bottom menu. Then, select Card Controls from the menu options. (If you need to enroll in Online and/or Mobile Banking, please see instructions below.)
  • Choose which cards you'd like to enable Card Controls.
  • Once the card is enabled, you can then choose which features you'd like to control: Location, Transaction Types, Merchant Types, and Spending Amount Limit.
  • If at any time you'd like to remove these controls, you may disable them.

PLEASE NOTE:  Online and Mobile Banking Enrollment Instructions

To enroll in Mobile Banking, you must also be enrolled in Online Banking. If you are NOT enrolled in Online Banking and would like to be, get started now. If you ARE enrolled in Online Banking, but are NOT enrolled in Mobile Banking and have NOT downloaded our FREE Independent Mobile app, you can download the app on your smartphone (available for both Apple and Android).

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Card Control options include:

54 Location controls
 
Location Controls
Determine which areas are approved for transactions
55 Merchant types
 
Merchant Types
Select which types of merchants are approved for transactions
56 Transaction types
 
Transaction Types
Determine which types of merchants are approved
57 Spending Amount Limit
 
Spending Amount Limit
Set a spending amount limit for transactions

Open A Checking Account

Independent Bank Debit Mastercards draw funds directly from your checking account, and are free with all Independent Bank checking accounts. If you don't have an Independent Bank checking account, open an account today!

See All Checking Options

Lost or Stolen Card?

If your ATM or debit card is lost or stolen, call 888.300.3193 at any time, 24/7. Click here for more information about Privacy + Security including identity theft protection and what to look for regarding potential scams and fraud. 

Learn More

Debit Card Questions

How do I activate my card?

To activate your new card:

Perform a PIN-based transaction at an ATM or merchant

OR

Call our 24-hour telephone banking at 888.300.3193.

To activate your new card:

Perform a PIN-based transaction at an ATM or merchant

OR

Call our 24-hour telephone banking at 888.300.3193.

What are the Mastercard benefits?

You can review all the benefits with your debit Mastercard here.

You can review all the benefits with your debit Mastercard here.

Where can I use my new Debit Mastercard?
Your card offers ATM access, plus acceptance for purchases at millions of locations where Mastercard is accepted.
Your card offers ATM access, plus acceptance for purchases at millions of locations where Mastercard is accepted.
View All FAQ's