Business Debit Mastercard®

The 91 First Business Debit Mastercard lets you make purchases, withdraw cash, and manage expenses directly from your business checking account—with no annual fees or point of sale fees, built-in security, and cash back42 rewards. Accepted anywhere Mastercard is.

Convenient benefits you’ll love

Security you can trust

  • If potentially fraud transactions are detected, we’ll contact you immediately through our complimentary Card Alert Notification Program.
  • Turn your card off and on, set limits, and get alerts with Card Management in online banking.
  • With Mastercard’s Zero Liability41 protection, we won’t hold you responsible for “unauthorized transactions.”

Your business debit card, right on your phone

Speedy checkout with Mobile Wallet

Keep your debit card in your wallet, or at the office, when you connect it to mobile wallet for touch-free checkout in stores and accelerated checkout online. We’ve partnered with your favorite providers for maximum choice and convenience.


Pay faster and smarter online

Backed by 91 First and Mastercard, and built upon global payment industry standards, Click to Pay is the new password-free checkout option, that lets you check out faster with all participating merchants by storing your payment information in one place.

  • Bypass passwords – Password-free checkout takes the hassle out of paying online.
  • Smart security – Intelligent security helps recognize you at checkout.
  • Stay in control – Payment information stored securely in one place – so it’s there when you need it.

Earn rewards on qualified business purchases

Earn cash back42 on qualified purchases. Cash back offers are available in online banking and our app. Think "Click, Shop, Cash" to start earning.

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Join

In online banking, look for the “Purchase Rewards” tile on the homepage after you log in and click the “Earn Cash Back Now” button. In mobile banking, you’ll find Cash Back Rewards when you tap the “More” menu (indicated by three dots). Follow the prompts to finish your enrollment.

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Tap

Review offers and “Activate” the ones that interest you. Activated offers will appear in your Active Deals list.

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Shop

Make purchases online or in-store with your 91 First Mastercard debit card.

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Save

Receive cash back in your account42. Tap “Earned Summary” to view a dashboard summary of the cash-back rewards you’ve earned.

Earn rebates with the Mastercard Easy Savings® program30

As a business owner, renting a car for a business trip, booking hotels when traveling to meet clients and dining out can be an essential part of doing business. With the Mastercard Easy Savings program you can save on these and all types of other every day expenses.

Just use your enrolled Mastercard business card on qualified purchases at any participating merchant and your rebates will be automatically applied to your account. To ensure you have access to all of the program rebates, register at no cost. Registering also allows you to track your rebates on this site and learn about new merchants and offers.

Security you control

Card Management in our mobile app offers you the security of card control. With Card Management you can:

  • Turn your card off and on as needed.
  • Set limits on debit card use based on spend amount, geographic location, merchant type, or transaction type.
  • Get alerts and stay on top of activity based on location, transaction type, or amount spent.

Our team has your back

Complimentary fraud monitoring through our Card Alert Notification Program is included with every debit card. All activated cards are automatically enrolled for maximum convenience. This program monitors your card transactions for suspicious activity. If potentially fraud transactions are detected, we’ll contact you immediately.


Why choose a 91 First business debit card over anywhere else?

  • NO annual fees or point of sale fees.
  • Cash Back42 Rewards and Rebates programs
  • Earn dividends on your checking balance
  • Fully insured deposit: up to $250,000 by NCUA and additional amounts covered by MSIC insurance.

Award-winning service

Rated 5-stars by Bauer

2026 Newsweek's Best Regional Banks and Credit Unions: Third-time winner

2025 Community's Choice Awards: Best Credit Union, Best Financial Planning 91

Better Business Bureau: 2025 Large Business Award Winner

Open your business checking account to get your free debit card

  • Our Elite Business Checking account is great for partnerships, trusts using an EIN, organizations, sole proprietors, corporations (both for profit and not-for-profit), and LLCs.
  • Our First Rate Checking for Business account is great for DBA’s and Trusts using their SSN.

Lost or stolen debit card?

If your debit card has been lost or stolen during business hours, please call us at (800) 962-4452 for immediate assistance.

If your card has been lost or stolen after hours, please call (800) 528-2273 for assistance.