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Online Banking

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Credit Cards

The credit you deserve from the folks you know.

Hometown service plus worldwide benefits.


Choose from cards that reward you with unlimited cash back* and premier services, or pick a card with a lower APR for balance transfers or debt consolidation.  


Bank Independent’s signature service:
  • Apply or pay in any Bank Independent sales office
  • Local decision-making on approvals and limits
  • Personalized customer service you’ve always expected

Exceptional benefits of Mastercard® credit:
  • 24/7 customer service and online access
  • Digital wallet compatibility…pay with your phone



Personal Credit Cards

Bank Independent's credit card options include low interest rates, robust rewards and special introductory offers. You'll enjoy the same great hometown service and local decision-making you've come to expect, plus the worldwide Mastercard® benefits your personal needs.


Platinum
Transfer a balance or consolidate debt from higher-rate card to our lowest APR Platinum Mastercard.

  • Enjoy a 0% introductory APR on purchases and balance transfers for six months. After that, the variable APR will be 8.99% to 16.99% based on creditworthiness (see Terms and Conditions for details). A Balance Transfer Fee of $10 or 3% of the amount of the transfer, whichever is greater, will apply to each balance transfer.
  • Our lowest APR card is designed for those who frequently carry a balance from month to month. 
  • Platinum Mastercard benefits include Zero Liability Protection, Mastercard Global Emergency Services, and ID Theft Resolution services.


World†
Reward yourself with unlimited cash back, complimentary premier services and exclusive assistance with our World Mastercard (see Terms and Conditions for complete details). 

  • Enjoy a one-time sign-up bonus of $100 cash back when you spend $3000 in the first three months.††
  • Earn 1% cash back for every $1 you spend* (for details about the Rewards program see Rewards Terms and Conditions).
  • Choose from Cash Back redemption options of a Statement Credit or a deposit to you Bank Independent Checking Account.
  • Earn 2% cash back for travel and dining purchases.†††
  • Take advantage of enhanced Mastercard, ID Theft Resolution services and MasterRental Coverage on rental cars.

*For details on the rewards program, please visit www.bibank.myapexcard.com/apply and select Rewards Terms and Conditions. Rewards options are subject to change without notice.
Subject to credit approval.  Ask for details.

Mastercard is a registered trademark of Mastercard International Incorporated. Certain restrictions, limitations, and exclusions apply. Please consult your Guide to benefits for specific benefit configuration
†World applicants not approved for World will be considered for approval for a Platinum Rewards card.
††Upon approval, a letter will be mailed acknowledging your new account. The rewards bonus period begins on the date of the letter and ends 90 days later.
†††We group similar merchant category codes into Purchase Categories that are used to calculate the stated cash back. We make every effort to include all relevant merchant category codes in the listed Purchase Categories. However, even though a merchant or the items that it sells may appear to fit within a Purchase Category, the merchant may not provide us with the merchant code that will fall within that Purchase Category. Because of this, we cannot guarantee that a purchase will qualify for more than the standard 1 percent cash back as any purchase where a merchant uses a category code outside of the eligible Purchase Category does not qualify for additional cash back. 
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Manage Your Card

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Credit Card?



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Digital Wallet

Add your credit card to your smart phone's Apple Pay®, Samsung Pay® or Google Pay®.



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Sync

Convenient, easy-to-use tools to help you manage your finances on-the-go 24/7.