<img height="1" width="1" style="display:none" src="https://www.facebook.com/tr?id=1594118447410323&amp;ev=PageView&amp;noscript=1">

COVID-19 Response: Most branch lobbies are currently open with new safety measures in place. We recommend checking our Website Locations Page before visiting us in person. Learn about potential assistance resources and our response on our Coronavirus Update Page.

Stimulus Payments: You should be able to access stimulus deposits in your account via direct deposit.  For more information, and to check the status of your payment in the coming weeks, please visit the IRS website.

PPP Loans:  A second round of Paycheck Protection Program loans was recently approved. We are now accepting Second Draw loan applications. The date of SBA program submission is currently pending, but expected to be released soon. We will share updates as they become available on our Commercial Lending Page.

Martin Luther King, Jr. Day: Independent Bank offices will be closed on Monday, January 18, 2021


You are now leaving the Independent Bank website. Linked web pages are not under the control of Independent Bank, its affiliates or subsidiaries. Be aware the privacy policy of the site to which you are going may differ from that of Independent Bank. Independent Bank provides external links as a convenience and is not responsible for the content or security of any linked web page.

Click “OK” to continue or “Cancel” to go back

Ok Cancel
x Want to chat? How can we help you? open chat

Debit Mastercard®

Enjoy faster checkouts, greater security, and quicker rewards on the purchases you make every day with your contactless Debit Mastercard! Just tap & go®

Debit Card Options

Select your favorite card for your Independent Bank checking account and start shopping in style!

Grand Rapids Skyline

Turnip Rock

Sleeping Bear Dunes

Detroit Skyline

Mackinac Bridge


Branded Card

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).

Equity Access Mastercard


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

Clean Contactless Payments

Tap your way to faster rewards when you buy coffee, groceries, gas and more. Just tap & go®.

  • Faster checkouts. A simple tap is all it takes at millions of places you already shop.

  • Greater security. Enhanced chip security and Zero Liability protection* are built-in.

  • Quicker rewards. Keep earning your same great rewards, even faster, with every tap.

Tap & go in three simple steps:

contactless_symb_pos Look for the contactless symbol anywhere you shop.

CardreaderTap your contactless Independent Bank Mastercard at the top of the terminal when you’re ready to pay.

EnterPinThe merchant may ask you to sign or enter your PIN.


*Certain terms, conditions and exclusions apply. To learn more about Zero Liability, visit mastercard.us/zeroliability. Contact your issuing financial institution for complete coverage terms and conditions, or call 1-800-MASTERCARD for assistance. Applicable to U.S. cardholders only. Valid for Independent Bank Mastercard. Mastercard and tap & go are registered trademarks, and the circles design is a trademark, of Mastercard International Incorporated. ©2018 Mastercard. All rights reserved. Member FDIC.


Free benefits with every debit card

Access Worldwide

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

^Fees may apply.

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 manufacturers and U.S. brand warranties.

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

Identity Theft Resolution is available for all Independent Bank Debit Mastercard® holders. 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.

**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 are 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.

To enroll, please use Telephone Banking at 888.300.3193, or you can set it up or login here.

+Mastercard SecureCode only works with participating merchants.

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.

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.

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).


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

*Disabling or shutting off your debit card in Card Controls will not prevent approval of recurring debit card charges.

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


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


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

Our Services

Independent Bank offers services for all of your banking needs.

See All Services