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Key Features & Benefits

Zero Liability

You are only responsible for the purchases you authorize. You won't be liable for unauthorized purchases made in-store, by phone, online, through a mobile device, or at ATMs. Use reasonable care in protecting your card from loss or theft and promptly reported any issues to Midland.

Priceless Offers & Experiences

Offers Mastercard cardholders the opportunity to engage in exclusive, once-in-a-lifetime experiences with the people they love in the cities where they live and travel.

Mastercard Global Service

  • Emergency Card Replacement
  • Emergency Cash Advance
  • Lost/Stolen Card Reports

Extended Warranty*

Doubles the original manufacturer’s (or store brand) warranty. Coverage is for eligible items purchased with your Mastercard.

Satisfaction Guarantee*

Covers most purchases, up to $250, if the cardholder becomes dissatisfied with a new product within 60 days of purchase and the merchant will not accept the item for return. There is a maximum of four (4) claim(s) per cardholder per twelve (12) month period.

Mastercard Airport Concierge

Available anytime at over 450 destinations, cardholders can get preferred rates for a personal Meet and Greet agent to guide them through the airport during departures, arrivals, or connections. At select airports, customers may also receive expedited security and immigration processing.

close up of someone using mobile wallet to pay

Convenience with a Swipe or Tap

Digital Wallet

There's no need to dig through your purse or wallet to find your Midland Debit Card. Add your card to your phone's digital wallet, and you can shop in-store, in-app, or online using your smartphone.

Instant Issue Debit Cards

If you ever lose or accidentally destroy your debit card, you can come into any branch and have a new one printed on the spot.

Mastercard ID Theft Protection

Identity Theft Protection provides you with access to a number of Identity Theft resolution services, should you believe you are a victim of Identity Theft. This product offering will alert you about a possible identity theft by monitoring the surface, dark and deep web, searching for compromised credentials and potentially damaging use of your registered personal information in order to detect fraud at its inception. 

There are no charges for these services, as they are provided by Midland States Bank. Services are provided on a 24-hour basis, 365 days a year. In order to receive the following services, you must enroll online

Guide to Benefits 

Full details are available within the Mastercard Guide to Benefits. Visit a Midland location or view your  Consumer Mastercard Brochure 2023 web.

woman smiling as she shops online with a Midland debit card

Need a New Card?

1. Visit Us We will print a new one for you instantly at your favorite Midland States Bank location.
2. By Mail

Request a card to arrive in the mail by calling Customer Care at 1-855-696-4352.

Lost or Stolen Debit Card?

During Business Hours

Contact Customer Care at 1-855-696-4352

Customer Care Center Hours (CST)

  • Monday – Friday  |  7:00 am – 9:00 pm
  • Saturday  |  9:00 am – 5:00 pm
  • Closed Sunday and federal banking holidays

Lost or Stolen Debit Card After Hours

1-855-696-4352. Press 2 for Lost or Stolen Debit Card.

View our  Security and Privacy Center for more information on protecting your information.

Frequently Asked Questions

How do I order a new debit card if mine’s been damaged?

If your current debit card has been damaged and won’t work, you can get a replacement card and keep the same account number. By keeping the same account number, you won’t have to change any automatic credits or debits that you’ve set up through your card. 

  1. Reorder your debit card by calling Midland Customer Care toll-free at 1-855-696-4352
  2. You may also reorder your card by stopping in to your nearest Midland branch.
  3. Once you receive your new debit card, verify that the card number is the same, and activate your new debit card.
  4. Destroy your old debit card by cutting it up and disposing of it.

Visit a Midland location if you would like a new card instantly. Instant issue cards will give you a new card number and are ready to use on the spot.

How do I report my debit card as lost or stolen?

Call Midland's Customer Care toll-free at 1-855-696-4352 anytime, 24/7. During business hours a member of our Customer Care Team will assist you with this process. Outside of normal business hours call 1-855-696-4352, select Option 1 for Bank by Phone, then 3 for Card Services. Once in the Card Services Menu, select Option 2 to report a lost or stolen debit card.

Why are there spending limits on my card—and what are they?

Your Midland States Bank debit card has preset daily spending limits to help reduce fraudulent spending if your card is lost or stolen. 

Daily limits:
  • ATM cash withdrawals are limited to $1,000
  • Point of Sale (POS) transactions for personal debit cards are limited to $3,000
  • Point of Sale (POS) transactions for business debit cards are limited to $5,000

To learn more about spending limits, please contact Midland Customer Care toll-free at 1-855-696-4352.


How do I keep my debit card active when I travel?

If you're traveling in the U.S. or abroad, let us know in advance. This helps prevent your debit card from being frozen if we spot unusual transactions, like out-of-state purchases. To avoid disruptions, simply call Midland Customer Care at 1-855-696-4352 and let us know the dates you’ll be traveling.

What do I do if I detect identity theft or fraud?

Contact us immediately at 1-855-696-4352. Reminder: Never provide confidential information through an email that’s not protected by a secured network.

Can I receive a new debit card at a branch?

Yes, whether you are opening a new account, or need to replace your card, stop by any Midland location to receive a new debit card.

Please call us at 1-855-696-4352 immediately to report a lost or stolen card.  

*Benefits are subject to terms, conditions and limitations, including limitations on the amount of coverage. Coverage is provided by New Hampshire Insurance Company, an AIG Company, or Warranty Guard, an AIG company Satisfaction Guarantee. All benefits provide secondary coverage only. Not available for Health Savings Debit Cards.

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