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Banking on the Hi-Line

IB Visa® Debit Card

Your Independence Bank Visa® Debit Card allows you to make purchases directly from your checking account, without ever having to write a check. Since you pay immediately with money from your checking account you have no big bills to pay at the end of the month, no interest charges, and no late charges.


IB Visa® Debit Card features

  • No annual or monthly fees
  • No transaction fees at Independence Bank ATMs*
  • Transactions are detailed on your monthly checking account statement

* ATMs not owned by Independence Bank may impose a transaction fee.


School Spirit Visa® Debit Cards

We've got spirit...and so can you!

Independence Bank School Spirit Debit Cards allow you to represent your local schools and raise money for them each time you use your card. Our School Spirit Debit Cards are now available with our Instant Issue service.  Replace your current debit card, or open a new checking account with IB, and select the participating school you would like to support. Independence Bank will donate up to 5 cents for each transaction you make using your debit card to the school represented on your card. Cardholders will keep their current card number and your School Spirit Debit Card will be activated immediately. This is a great way for Independence Bank and our customers to work together to support our local public-school systems.

Participating Schools:

Big Sandy Pioneers • Belt Huskies • Box Elder Bears • Brockton Warriors • Chinook Sugarbeeters • Choteau Bulldogs • CJI Hawks • CMR High School Rustlers • Conrad Cowboys • Dodson Coyotes • Frazer Bearcubs • Glasgow Scotties • Great Falls High School Bison • Harlem Wildcats • Havre Blue Ponies • Highwood Mountaineers • Hinsdale Raiders • Lustre Lions • Malta Mustangs • Nashua Porcupines • North Star Knights • North Toole County Refiners • Opheim Vikings • Plentywood Wildcats • Poplar Indians • Rocky Boy Stars • Saco Panthers • Scobey Spartans • Shelby Coyotes • Turner Tornadoes • Whitewater Penguins • Wolf Point Wolves 

We are proud to also have Montana State University-Northern and University of Providence as participating schools in our School Spirit Debit Card Program and have the opportunity to give back to a wonderful organization with our KOA Care Camps card.  

2024 School Spirit Secondary Page


Instant Issue

Get your new Debit Card instantly!

Whether you are opening an account and need a debit card, or you have to replace a lost debit card, we can get a new card in your hands instantly.

You will have your debit card in your wallet in minutes with Independence Bank's Instant Issue service. All of our IB branches are now able to print debit cards in-house and on-demand. No more waiting for a new card. Convenience is key with Instant Issue! Stop into your local branch any time and walk out with an activated debit card in your hand.

Instant Issue details...

  • Receive a new or replacement card immediately!
  • All Instant Issue cards are contactless and chip-enabled
  • Choose from multiple designs



Debit Card Text Alerts

You’ll know when we know.

Independence Bank offers Text Alerts to notify our debit card customers of suspected fraud. These alerts are immediate, so you will know what’s happening with your account as soon as we know.

When fraud is detected, a text message will be sent to the mobile phone number on file.  If you choose to opt out of this service, you will only receive fraud notifications via a phone call. 

Here is how it works...

1. When fraud is detected, a text will be automatically sent to the number on file. (If you choose to opt out of this service, you will only receive fraud notifications via a phone call.)

2. The text will tell you a suspicious transaction for $X.XX at XXSTOREXX was done at XX:XXpm and ask if you initiated the transaction.

3. If you do not respond in 15 minutes, you will get a phone call and a voicemail message. You have 72 hours to respond.

4. If you respond that you did initiate the transaction, no action will be taken against your card.

5. If you respond that you did NOT initiate the transaction, your debit card will be locked for 24 hours until the bank is able to resolve the issue.

Questions? Please call or visit your local branch, or call 800.823.2274.  



To report a lost or stolen Independence Bank Visa® Debit Card

During business hours

Contact your Independence Bank Branch

After regular business hours

Please call our toll-free number - 800-823-2274.



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Personalization Settings



Independence Bank would like to personalize your banking experience. Please enter your first name below.

Please do not remind again

This level of personalization will not lead to the sale of your name or leak your identity. The information you provide will only be stored on your computer and will not be transferred to any other source.