Mercantile is pleased to introduce our new Make Cents Debit Card Reward Program. Earn money each time you use your card, all you need is a Mercantile checking account and MasterMoneyTM Card to automatically begin earning rewards.

How does the Make Cent$ Reward Program work?
You will receive $.10 each time you sign for purchases using your MasterMoneyTM Card. Your “Make Cent$ Debit Reward” will be totaled and credited to your checking account on or around the 15th of each month.

Who is eligible to participate?
Mercantile Bank eBanking and M Class personal checking account customers.

What if I have an account other than eBanking and M Class checking?
All other checking account customers are eligible for our Sign & Win Debit Rewards program. See us for details.

Are current MasterMoneyTM Cardholders automatically enrolled in this reward program?
Yes. If you already have a Mercantile MasterMoneyTM Card, chances are you are already earning rewards.

Is there a limit to the reward money that you can earn?
Yes. You can earn up to $250 each calendar year.

What is a signature-based transaction?
A signature-based or “credit” payment transaction occurs when you use your MasterMoneyTM Card at a business and it is processed without a Personal Identification Number (PIN). You may or may not be required to sign a sales receipt. In order to receive the Make Cent$ reward, you must select the “credit” method of payment.

What if the merchant terminal recognizes my card as a debit card and will not allow me to select the credit option?
In most cases, if you select Cancel or Enter once or twice you may then choose the CREDIT option or ask the cashier for assistance.

What is a PIN-based transaction?
PIN-based transactions require a Personal Identification Number just like at an ATM.
After the card is swiped, the terminal prompts you for your PIN. After the PIN is entered, the funds are immediately verified and deducted from your checking account.

Why is a signature-based transaction more secure?
Signing your name is just as simple, fast and often more secure than using your PIN.
A signature-based transaction is a more reliable means to verify your signature for
authentication and leaves less risk for “shoulder-surfing,” which is when a fraudster
can gain your PIN number from looking over your shoulder in the retail check-out line.