In person or online; in an app or your digital wallet; in Athens, Alabama or Athens, Greece. Your Bank Independent Debit Card is secure and convenient.

Debit Cards
Digital Wallet
What's more convenient than using your Bank Independent Debit Card? Keeping your card in your wallet and paying with your smart phone!
Add your Bank Independent Debit and Credit Cards to your favorite digital payment app today for:
- Simple cardless checkout Just touch, tap, and go!
- Enhanced security One of the safest ways to pay.
- Debit or credit card access All your Bank Independent cards are compatible with all four systems.
BI Debit Cards are compatible with:

Find the Google Pay app on your device or download from Google Play Store

Download from Google Play Store

Find the Apple Wallet app on your device and follow the on-screen instructions

Find the Samsung Pay app on your device or download from Google Play Store
Card Management
BI Card Guardian
Stay on top of potential debit card fraud with BI Card Guardian text alerts. This complimentary service alerts you when your Bank Independent Debit Card shows:
- International purchases
- Most purchases at gas stations
- Transactions greater than $100
- Five or more purchases in a rolling 24-hour period
- "Card not present" transactions (like online purchases)
- Your card is declined
If you think the transaction is fraudulent, just reply to the BI Card text within 12 hours using the custom code you'll see in the message. Our fraud team will start investigating immediately, and your card will be blocked from future use. If you authorized the transaction, no response is required.
Here are some examples of text messages you might receive from BI Card Guardian alerts:



Enroll each of your Bank Independent Debit Cards quickly and easily, or learn more from our FAQs.
Mastercard® Automatic Billing Updater
Keeping your Bank Independent Debit Card "on file" with a merchant is a convenient option for simplifying future purchases or automated debits from your checking account without having to re-enter your card information for every transaction.
Now, keeping your preferred debit card information up-to-date with the merchant is even easier with Mastercard's Automatic Billing Update (ABU). Participating merchants will now automatically update your debit card information when it changes due to an expired card, a card that's reissued after being lost or stolen, or anytime the card is replaced.
To opt out of the ABU program, please contact our Customer Service team at (256) 386-5000 or (877) 865-5050 Monday through Saturday from 8:00 a.m. to 8:00 p.m.
Smart Swipe
Did you know that your Bank Independent Debit Card is also a great way to SAVE?
With Bank Independent's exclusive Smart Swipe program, every purchase you make with your Bank Independent Debit Card is automatically rounded up to the nearest dollar, and the difference is transferred to a Bank Independent deposit account of your choice. Click here to learn more and enroll.
Here's how Smart Swipe Works:
- Use your Bank Independent Debit Card for a purchase.
- We'll round up that amount to the nearest dollar.
- We'll automatically deposit the difference into your designated account.
Use your Debit Card to Buy | You Pay | We Will Round It Up To | And Then Transfer | Watch Your Balance Add Up |
---|---|---|---|---|
Coffee | $5.47 | $6.00 | $0.53 | $0.53 |
Fuel | $27.21 | $28.00 | $0.79 | $1.32 |
Groceries | $64.52 | $65.00 | $0.48 | $1.80 |
At the end of the business day, we'll transfer your savings to your designated account | $1.80 |
Debit Card FAQs
Find answers to all of your debit card questions.

Instant-Issue Debit Cards
Many of our Sales Offices can issue new or replacement debit cards while you wait. Call (256) 386-5000 to find an Instant Issue location near you.

You never know when you’ll be SURPRISED just for using your Bank Independent Debit Card!
Learn more about MasterCard® Priceless Surprises Sweepstakes here.