Price Protection*

Price Protection | That's Banking With MomentumBuy It With Your First Midwest Debit Card . . . And You Know You Never Paid Too Much

Use your First Midwest Debit MasterCard® for covered purchases and if you find it for less you may be eligible for a refund, up to $250 per claim. Your World Debit MasterCard covers you for up to 120 days from date of purchase, and all other First Midwest Debit cards are covered for up to 60 days from date of purchase.

Your First Midwest Debit Card is the smart way to make purchases and rest assured that you got the best price.

Exercise Your Benefits

MasterCard is ready to help 24/7. Call 1-800-MC-ASSIST
(1-800-622-7747) to start the claim process within 60 (Standard and EquiFlexSM Debit Cards) or 120 (World Debit Card) days of date of purchase.

How to Get Coverage

  • You must purchase the new item entirely with your covered card and/or accumulated points from your covered card for yourself or to give as a gift.
  • You must see either a printed advertisement or non-auction Internet advertisement for the same product (advertisement must verify same manufacturer and model number) for a lower price within sixty (60) days from the date of purchase as indicated on your receipt. 

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How To File A Claim

For a Printed Advertisement

  • Call 1-800-MC-ASSIST to request a claim form. You must report the claim within sixty (60) days of the incident or the claim may not be honored.
  • Submit the following documentation within one hundred and eighty (180) days of the advertisement’s publication:
    • Completed and signed claim form.
    • A copy of the printed advertisement that shows the date of the advertisement, retailer name, the product (advertisement must verify same manufacturer and model number), and sale price.
    • Receipt showing the item(s) was purchased.
    • Statement showing item(s) purchased and use of accumulated point(s).
    • Itemized purchase receipt(s).
    • Any other documentation that may be reasonably requested by us or our administrator to validate a claim.

For a Non-Auction Internet Advertisement

  • Call 1-800-MC-ASSIST to request a claim form. You must report the claim within sixty (60) days of the incident or the claim may not be honored.
  • Submit the following documentation within one hundred and eighty (180) days of the advertisement’s publication:
    • Completed and signed claim form.
    • A copy of the non-auction advertisement that shows the date of the advertisement, website address, retailer name, the product (advertisement must verify same manufacturer and model number), sale price, and, if applicable, shipping, handling and other charges.
    • Receipt showing the item(s) was purchased.
    • Statement showing item(s) purchased.
    • Itemized purchase receipt(s).

Any other documentation that may be reasonably requested by us or our administrator to validate a claim. 

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Coverage Details

Purchases are covered 60 days from date of purchase for Enhanced and Enhanced Plus Debit Benefits Packages.

Purchases are covered 120 days from date of purchase for World Debit Benefits Package.

  • Purchases you make entirely with your covered card are covered for sixty (60) days from the date of purchase as indicated on your receipt for the difference between the price you paid and the lower price advertised.
  • Items you purchase with your covered card and give as gifts also are covered.
  • This coverage is secondary to any other applicable insurance or coverage available to you or the gift recipient including benefits provided by the retailer (including, but not limited to, refunds, exchanges, and store credits). Coverage is limited to only those amounts not covered by any other insurance or coverage, or retailer benefits (including, but not limited to, refunds, exchanges, and store credits).

Coverage Limitations

Coverage is limited to the difference between the actual cost of the item (excluding taxes, storage, shipping, and handling costs) and the advertised lower price, up to $250 per claim. There is a maximum of four (4) claim(s) per cardholder account per twelve (12) month period.

What Is Not Covered

  • Any item purchased from an Internet site whose primary purpose is not the sale of the item or related items.
  • Items purchased for resale, rental, professional, or commercial use.
  • Jewelry, art, used or antique items; collectibles of any kind (such as items designed for people to collect or items that over time become collectibles); recycled, previously owned, refurbished, rebuilt, or remanufactured items.
  • Customized/personalized, one-of-a-kind, or special-order items.
  • Layaway items; items returned to any store.
  • Any items purchased from an auction.
  • Items for which the printed advertisement or non-auction Internet advertisement containing the lower price was published after sixty (60) days from the date you purchased the item.
  • Items advertised or shown as price quotes, bids or final sale amounts from a non-auction Internet site.
  • Items advertised in or as a result of “limited quantity,” “going out-of-business sales,” “close out”, or as “discontinued”.
  • Printed advertisements or non-auction Internet advertisements that display pricing lower than your purchased item due to rebates, special offerings, bonuses, free items/giveaways, manufacturer’s coupons, or special financing.
  • Professional services, including workmanship, installation, professional advice/counseling, and technical support, or help line.
  • Plants, shrubs, animals, pets, consumables, and perishables.
  • Motorized vehicles, including, but not limited to, automobiles, watercraft/boats, aircraft, and motorcycles, or their motors, equipment, or accessories.
  • Land, any buildings (including, but not limited, to homes and dwellings), permanently installed items, fixtures, structures, or home improvement.
  • Game animals, pets or specimens preserved for display (e.g., fish, birds, reptiles, or mammals).
  • Traveler’s checks, tickets of any kind (e.g., for airlines, sporting events, concerts, or lottery), negotiable instruments, bullion, rare or precious metals, stamps, and coins, currency or its equivalent.
  • Differences in price due to sales tax, storage, shipping, handling, postage, transportation, and delivery.
  • Differences in price due to foreign exchange rates or fluctuation in foreign exchange rates.

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