Personal

MasterCard® Rewards Debit Card

Summary

Northstar Bank offers our customers the MasterCard Rewards Debit Card. You will enjoy the following benefits with your card:

Rewards Program – Make purchases with your Rewards Debit Card from Northstar Bank to earn points that can be redeemed for merchandise, gift cards, and travel

Convenience - Use anywhere MasterCard is accepted worldwide

ATMs – Use in any ATM; no charge for use in Northstar Bank or MoneyPass® ATM's.

Secure Technology – EMV chip technology provides the greatest level of security today. The embedded microchip provides dynamic transaction security features and other capabilities not possible with traditional magnetic stripe cards.

Guide To Benefits - Learn about your benefits here.

Rewards

What is MasterCard Rewards Debit? More than just a debit card, this is a program that Northstar Bank offers at no charge to our customers. It is one of the most flexible rewards program available. You will be able to earn points immediately when you use the debit card to make purchases anywhere MasterCard is accepted. And you can redeem points for an array of rewards including merchandise, gift cards, and travel.

How does it Work? You will automatically be enrolled in the rewards program. At that point you will be able to access your account to be able to register on mastercardrewards.com site to redeem. Make sure to register your card at mastercardrewards.com, check point balance and redeem for merchandise, gift cards and travel.

Where do I earn points? Anywhere MasterCard is accepted worldwide

When do I earn Points? You earn points anytime you make a purchase with your Northstar Bank Debit Card. You must select the "credit" option or the signature transaction to earn points. (Please note, you will not receive points by selecting the "debit" option or using the PIN transaction or when you use at an ATM.)

How much does it cost? There is no cost to participate in the Rewards program

Earning and Redemption of points:

Earning Points – Earn 1 point for every $2.00 spent. Start using your Northstar Bank Rewards Debit Card to earn points on all purchases you make. You must select the "credit" option or signature transaction to earn points. (you will not earn points by selecting "debit" option or as a PIN transaction or use at an ATM.)

Pay with Rewards® - You can also enjoy the freedom of paying for merchandise with points you earn. With Pay with Rewards, you can pay with points at millions of eligible locations worldwide, in store or online anywhere MasterCard is accepted. Just download the Pay with Rewards mobile app which is available for free on the App Store and Google Play.

How do I calculate points? The Pay with Rewards mobile app and mastercardrewards.com both feature a rewards calculator that lets you determine the cash value of your points. You will simply apply points – and their cash value – to the transaction of your choosing.

 

Start earning points and start enjoying all of the rewards your Northstar Bank MasterCard Rewards Debit Card has to offer!

 

 

FAQ

 1. Is there any cost to me?

No, your debit card will have no annual fee. If you lose your debit card or need to replace it, a fee may be assessed. Refer to our current fee schedule for current pricing.

2. I have more than one account. Will I have multiple debit cards?

Yes, you will receive a debit card for each account.

3. Can I combine Reward points from my different debit cards?

Yes, you can combine multiple “household” debit cards to accumulate and redeem points in one account. Contact MasterCard Rewards at 877-392-0298.

4. Why do I need a microchip in my debit card?

Microchip technology provides more security. The chip contains only your name, card number, expiration date, and CVV. There is no other personal information stored on the chip. Due to security in the chip, every transaction you make is unique, which makes it extremely difficult for the card to be copied or counterfeited. Your chip card will also have the usual magnetic strip on the back so that you can continue swiping your card while merchants are transitioning to chip card terminals. However, we encourage you to use the chip technology wherever it is available.

5. In which ATMs can I use the debit card?

These cards will work in virtually any ATM machine, although some may incur fees. You will be asked prior to completing your transaction at the ATM if you accept the fees. You can use any Northstar Bank or MoneyPass® ATM for no charge.

6.  Which merchants will accept my debit card?

Any merchant that accepts MasterCard.

7. How does the chip debit card work at stores?

Insert the card into the chip reader and leave it there for the entire transaction. Follow the on-screen prompts to complete the transaction.

8. What if the merchant doesn’t have a chip reader?

You can still swipe the card through a conventional reader.

9. Does my business debit card offer Rewards?

Yes, your business card offers Rewards as well. Each individual cardholder at your business can earn points by registering his or her assigned debit card at mastercardrewards.com.

10. Does my HSA debit card have rewards?

No, because the HSA cards are only used for health-care expenses, they do not offer Rewards.

 

Are you a Northstar Bank World Rewards debit card holder? Check here for additional benefits.