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A young couple is window shopping for purchases to make with a debit card
The Perfect Way to Purchase

Get Debit Card benefits that help you buy with momentum.

Debit Card Benefits

Your First Midwest Mastercard® debit card is the perfect way to purchase. Why? Because it has built-in benefits to protect your purchases and give you a wide range of convenient services.* We have a summary of these benefits below. Please refer to the Mastercard® Guide to Benefits for complete eligibility and restriction details for each benefit.

  • Satisfaction Guarantee
    Never be disappointed with a purchase again. Use your First Midwest Mastercard® debit card for covered purchases and they are eligible for coverage for 60 days from the date of purchase in the event you are dissatisfied with the purchase and the store will not accept the item for return.

  • Extended Warranty
    Protect your purchases longer by doubling the original manufacturer's warranty for up to 24 months on any covered purchase. If you buy a service contract or optional extended warranty of 12 months or less, you will get up to 12 additional months of coverage.

  • Purchase Assurance
    If your purchase made with a First Midwest Mastercard® debit card is lost or stolen within 90 days, you can be reimbursed for the actual cost of the item or a maximum of $1,000 per loss, whichever is less. Simply call 800-MC-ASSIST to start the claim process.

  • Emergency Card Replacement, Emergency Cash Advance and Lost or Stolen Card Reporting
    Global Services automatically covers your First Midwest Mastercard® debit card if it is lost or stolen, and even provides you an emergency cash advance when you need one. If you ever need emergency assistance, simply call the Mastercard® Assistance Center at 800-307-7309.

  • Zero Liability
    You will never be responsible for any unauthorized purchases made with your First Midwest Mastercard® debit card, whether in-store, mobile, or online. If you didn't buy it, you're protected. If you suspect unauthorized use of your card, simply call 800-322-3623 to start the claim process.

  • Mastercard® ID Theft Protection
    If you believe you have been a victim of identity theft, Mastercard® ID Theft ProtectionTM provides 24/7/365 card replacement, notification of all three major credit reporting agencies and other resources to help you regain control over your identity. Simply call 800-MC-ASSIST to start the claim process. For additional benefits, you must enroll. Learn about the additional benefits.

  • Identify Theft Alerts
    This free service monitors your online identity and card information around the clock to alert you to potential fraud or theft. Plus, experienced security professionals offer expert guidance to help you keep your online information safe. Enroll with no charge at Mastercard® Identity Theft Alerts.

  • Airport Concierge Services
    Make your travel stress-free. Arrange to have a Meet and Greet Agent escort you through the airport for any arrival, departure or connecting flights, 24/7/365 at more than 450 destinations worldwide. Schedule your VIP Airport Concierge Services at Mastercard® Concierge.

  • Travel Accident Insurance
    Travel with peace of mind. When you purchase the entire cost of airfare with your First Midwest Mastercard® debit card, Worldwide Automatic Travel Accident Insurance automatically covers you, your spouse and dependent children against accidental loss of life, limb, sight, speech or hearing.

  • Baggage Delay Insurance
    You will never worry about airlines losing your luggage again. When you purchase the entire cost of airfare with your First Midwest Mastercard® debit card, you will be reimbursed for emergency purchases of essential items if your bags are delayed.

  • Lost or Damaged Luggage
    If your luggage is lost or damaged during a trip you purchased with your First Midwest Mastercard® debit card, you will be reimbursed for the actual cost of repairing or replacing your baggage and the personal property it contained.

  • World Hotel & Resorts Program
    Enjoy room upgrades, early check-in and late check-out, breakfast for two every day and other unique amenities at some of the world’s finest hotels. Simply visit MasterCard® Travel Services to book flights, hotels and/or rental cars anywhere in the world.

Benefits of Enrolling in Mastercard® ID Theft Protection

To further safeguard your identity, as part of the Mastercard® ID Theft Protection benefit, you must enroll. By enrolling you are eligible for the following free services:

Easy to use dashboard that will monitor, track and display your risk score and provide access to identity protection tips. It will also allow you to respond to identity monitoring alerts.

Receive a monthly newsletter with information on your cardholder risk score, and articles pertaining to good identity protection practices.

Searches of the internet will be conducted to detect compromised credentials and potentially damaging use of your personal information, and alerts you via email so that you can take immediate action. This platform utilizes automated monitoring and human threat intelligence from cyber operations agents monitoring threat actors and their tactics on the deep and dark web where personal data is bought and sold. Some of the data elements that can be monitored include:

  • Email address
  • Debit/card cards, prepaid cards
  • Bank accounts
  • Web logins; username and password
  • Medical insurance cards
  • Drivers’ license
  • Loyalty cards
  • Affinity cards
  • Passport Number
  • Social Security Number

In the event your identity is compromised, you will have access to a team of identity theft resolution specialists, available 24 hours a day, 365 days a year to help resolve your identity theft incident and prevent further damage.

Enroll Now

Limitations, requirements, and restrictions apply to these services. Please download our complete Guide to Benefits to learn the details.


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* For complete Guide to Benefits information, please click here.