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Shop with Confidence

Not only do First Merchants Personal MasterCard® debit card holders get the security of First Merchants Bank, but they also experience the added protection of MasterCard® Enhanced Benefits. Stop worrying about what-ifs when shopping – “What if it breaks? What if I can’t return it?” Shop with confidence thanks to benefits designed for superior security and greater peace of mind on every purchase – all at no cost to First Merchants Personal MasterCard® debit card holders.

Shopping Benefits

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Extended Warranty Insurance*

Doubles the time period and duplicates the coverage of the original manufacturer’s or U.S. store brand warranty on new products for a maximum of one year.


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Satisfaction Guarantee*

Provides up to $250 per new product, if you become dissatisfied with their product within 60 days of purchase and the merchant will not accept a return.


Security Benefits

Identity Theft Protection – Assisted Restoration*

If someone attempts to steal your identity, MasterCard® provides the services you need to report and help resolve the incident. 



Provides around-the-clock customer service for all of your account-related questions.


MasterCard® Zero Liability**

Protects you against unauthorized purchases on your card should it be lost or stolen.


We've Got Answers

Have questions about MasterCard® benefits? Click the button below to download the complete Benefits Guide to learn more.


*Certain restrictions, terms, and conditions apply. ** Certain restrictions apply. Please see for more details. MasterCard® benefits are offered through MasterCard® card services. Please call 1-800-MASTERCARD for assistance. MasterCard® Enhanced Benefits are provided by MasterCard® to First Merchants Personal MasterCard® debit card holders at no additional cost.