Consumer and Business Debit Cards

First Independence Bank is proud to offer Smart Chip MasterCard® Debit Cards.

New Card Replacement Card

Use these cards at any merchant that accepts MasterCard® debit cards utilizing both chip and non-chip terminals.

How do I perform chip transactions?

  1. Insert your chip card into the ATM or point of sale terminal, following the instructions on the terminal.  It is important to leave the card in the terminal until your transaction is complete.  If you remove your card too soon, the transaction will end and your purchase will not be processed.
  2. The ATM will require that you enter your PIN, as you do today.  The point of sale terminal may require you to input your PIN or sign your sales receipt to complete your purchase.
  3. For sales transactions, the terminal will display your purchase amount.
  4. When your transaction is complete, it is important to remember to remove your card.

FAQ’s about your smart chip card:

What is a Smart Chip Card? Your chip card comes with an encrypted microchip embedded in the card.  The microchip provides an enhanced layer of security to your transactions.

How is the Chip Card more secure? The embedded microchip provides unique data specific to your card and the transaction being processed.  These features make your chip card extremely difficult to counterfeit.

Can I use my card for everyday transactions or at non-chip terminals? Yes! Your chip card will also have the usual magnetic stripe on the back so you can continue using your card at ATM’s and Point of Sale Terminals while merchants in the U.S. are transitioning to new terminals.

If you have questions about your chip card, please contact us at customer service during business hours at (313) 256-8412.

Lost/Stolen ATM Card

If your ATM/Debit card is lost or stolen, contact us immediately at (313) 256-8412. After regular business hours, please call (800) 528-2273 to receive immediate assistance.