Experience Success.

Two women shopping looking at phone and debit card

Rewards Debit Card

Simply rewarding.

Use the card. Earn rewards.  A simple and rewarding experience.

Our personal Macatawa Bank Rewards Debit Card comes with our UChoose Rewards® Loyalty Program*. You can earn reward points for all signature-based credit transactions* using your personal Macatawa Bank Rewards Debit Card. You will earn 1 point for every $2 spent. Points can be redeemed at uchooserewards.com for thousands of items such as gift cards, merchandise, travel experiences, event tickets - even cash! You earn the rewards. You choose how to use them. Simply spend about two minutes to register your card at uchooserewards.com and we'll do the rest. Your registration allows you to start earning points, and gains you access to the online redemption center.  

You can earn Loyalty points too. 

Earn reward points when you open select personal products and services at Macatawa Bank. It's just our way to say THANK YOU for your business.

Redeem your rewards.

You can check your reward point balance and they can be redeemed at uchooserewards.com for millions of items such as gift cards, merchandise, travel experiences, event tickets – even cash! You shop. You earn. You choose. It’s that simple!


  • UChoose Rewards Enrollment
    500 points
  • New Savings Account
    500 points
  • New Money Market Account
    1,000 points
  • New Consumer Loan
    2,500 points
  • New Home Equity Loan
    2,500 points
  • New Mortgage
    5,000 points

Let's get started:

Mastercard® is offering enhanced cardholder benefits including Extended Warranty, Price Protection and Satisfaction Guarantee for purchases made with your Macatawa Bank Debit Card.  If you would like to view a complete Terms and Conditions document, please call Mastercard at 1-800-MASTERCARD.  If you would like additional information, please visit the Mastercard website at http://www.mastercard.com/debit-gtb.

Lost or Stolen Debit Cards
To report a lost or stolen debit card, please immediately call:
(877) 820-2265. 
TERMS & CONDITIONS APPLY.  To learn more, refer to the UChoose Rewards Terms & Conditions at uchooserewards.com. Points effective as of 10/26/16. Valid on personal accounts only. Point values subject to change. 
* UChoose Rewards and the UChoose Rewards Loyalty Program are not available to Rebound Checking customers.
person's hands holding merchant credit card reader and inserting a chip credit card

EMV Chip Cards

Smarter cards, more protection for you.

EMV chip technology is more secure.  

Your Rewards Debit Card includes EMV chip technology

  • An embedded computer chip in each chip card adds a new layer of security to point-of-sale and ATM transactions when used in chip-enabled card readers. 
  • These cards help protect cardholders and merchants from fraud because the chip gives every transaction a unique code that can’t be used again. That protects against card counterfeiting and makes stolen transaction data virtually useless to crooks that try to use the data to make fake cards or purchases.
  • Chip cards already are in use around much of the rest of the world and have been shown to reduce point-of-sale fraud.
hand holding iPhone displaying Macatawa Bank debit card in Apple Pay

Apple Pay

Use Apple Pay with all of your Macatawa Bank debit cards.

Get to know Apple Pay

Apple PayTM is available, along with all the rewarding benefits of your Macatawa Bank debit card. Apple Pay is a mobile payments technology that allows you to make purchases with the latest Apple devices, such as iPhone® 6 and the Apple Watch, using any of your Macatawa Bank debit cards. Simply authenticate your purchase with a thumbprint. Apple Pay is a smart and secure way to make mobile payments at millions of locations.

It’s easy to use.

Simply update to the latest version of iOS on your Apple device. No other apps are needed. Then, add all of your Macatawa Bank debit cards to your Wallet® (formerly Passbook®), or take a picture of each card and follow the directions on your iPhone. Once your debit card is verified, you’re ready to shop!

When you're shopping, payment terminals vary from merchant to merchant.  Choosing 'credit', if that option is presented, will give you the most consistent Apple Pay experience.   

*The terms and account agreement that govern your debit card do not change when you add your Macatawa Bank debit card(s) to a mobile wallet (the Wallet®). The Wallet simply provides another way for you to make purchases with your Macatawa Bank personal, business or Health Savings Account debit card(s). Any applicable interest, fees, and charges that apply to your Macatawa Bank debit card(s) will also apply when you use the Wallet to access your Macatawa Bank debit card(s). Macatawa Bank does not charge you any additional fees for adding your Macatawa Bank debit card(s) to the Wallet or using your Macatawa Bank debit card(s) in the Wallet. The Wallet provider, and other third parties such as wireless companies or data service providers, may charge you fees. Macatawa Bank is not the provider of the Wallet, and we are not responsible for providing the Wallet service to you. We are only responsible for supplying information securely to the Wallet provider to allow usage of the Macatawa Bank debit card(s) in the Wallet. We are not responsible for any failure of the Wallet or the inability to use the Wallet for any transaction. We are not responsible for the performance or non-performance of the Wallet provider, or any other third parties regarding any agreement you enter into with the Wallet provider, or associated third‐party relationships that may impact your use of the Wallet. If you have any questions, disputes, or complaints about the Wallet, contact the Wallet provider using the information given to you by the provider. If your question, dispute, or complaint is about your Macatawa Bank debit card(s), then contact us at: (877)820-2265.

UChoose Rewards FAQs

What is the UChoose Rewards Loyalty program?

The UChoose Rewards® Loyalty Program is FREE for personal Macatawa Bank Rewards Debit Card holders*. Earn Reward points when you open select new products and services from Macatawa Bank. Plus, every time you shop with your personal Macatawa Bank Rewards Debit Card, you will earn points for all signature-based credit transactions. Reward Points can be redeemed at uchooserewards.com for millions of items such as gifts cards, merchandise, travel experiences, event tickets and much, much more – even cash!

REMINDER: To start earning points, you must first register your personal Macatawa Bank Rewards Debit Card at uchooserewards.com.

How do I register my Personal Rewards Debit Card?

Visit uchooserewards.com and click on the REGISTER link. Once you have registered your personal Macatawa Bank Rewards Debit Card number, you will be able to create a User ID and Password. This will allow you to visit the website anytime to view your points, shop and redeem!

How much does it cost to participate?

There is no cost. Membership in the UChoose Rewards® Loyalty Program is absolutely free for personal Macatawa Bank Rewards Debit Cardholders.

Do I have to get a new debit card to benefit from this new UChoose Rewards® Loyalty Program?

No. All existing and new personal Macatawa Bank MasterCard® Debit Cards are now considered “Rewards Debit Cards” and can earn rewards points for all signature-based credit transactions. Health Savings Account Debit Cards are excluded from registering.

How do I earn points?

Earn 1 point per $2 for each signature-based “credit” transaction. Earn additional points by shopping with participating retailers in-store, or online at uchooserewards.com. Earn even more points when you open select products & services with Macatawa Bank! Your Rewards Debit Card must be registered at uchooserewards.com within two (2) statement cycles of opening accounts that are eligible for Loyalty Rewards points, in order to earn those points. If your Rewards Debit Card is already registered, your Loyalty Rewards points will be awarded as points are normally added. Points will not be rewarded for PIN, ATM, or cash advance transactions.

What is a signature-based “Credit” transaction?

A signature transaction utilizes the MasterCard® portion of your card. All you have to say to the merchant is ‘credit please’ and sign for your purchase. Easy!

When can I start redeeming my rewards points at www.uchooserewards.com?

You must accumulate 1,500 points before you can redeem your points. It can take up to two (2) statement cycles for your points to be made available for redemption on your account.

What if I have more than one Debit Card tied to my checking account?

If an account (checking) has two or more Debit Cards associated with it, all points earned by either card are combined – or pooled – in the account. While points earned are pooled, each cardholder can create a separate login on the UChoose Rewards website. Each cardholder can see all activity for both cards, and is able to redeem from the total point pool.

When do my points expire?

Reward points expire 2 years from the date of your purchase transaction. View a summary of your point earning history and the expiration dates on the Points Details page at uchooserewards.com.

What will happen to my points if my card is lost or stolen?

If your card is lost or stolen and a replacement is issued, your points will automatically be transferred to the new card. Once you receive your new card, you will need to register the new card at uchooserewards.com.

What if I have another question?

If you have any other questions not answered here, please contact Macatawa Bank by phone at 1-877-820-2265 or by email at Rewards@MacatawaBank.com

* UChoose Rewards and the UChoose Rewards Loyalty Program are not available to Rebound Checking customers. 


How do I report a lost or stolen debit card?

To report a lost or stolen debit card, please immediately call (877) 820-2265.

What are chip cards?

A chip card - also called a smart card or an EMV card - is a debit or credit card that contains a microprocessor that enhances the security of cards during point-of-sale transactions.

These cards, already in use in much of the world, use a security standard originally developed by Europay, MasterCard and Visa (EMV) as a way to fight card fraud resulting from theft, skimming and counterfeiting. The EMV technology has been adopted by the other major card brands and issuers. 

Is a chip card more secure than magnetic stripe cards?

Yes. Chip cards add an additional layer of security to the safeguards that already protect cards. Each time a cardholder uses their chip card it generates a code that is unique to that transaction. This makes it harder to counterfeit a card or to use it fraudulently for in-store purchases. 

What information is on the chip?

The chip contains information about a cardholder’s account and the card expiration date. It also generates a unique code for every transaction when used with a chip-enabled terminal at the point of sale.

Can a chip card be used anywhere?

Yes. Chip cards can be used virtually anywhere this brand of card is accepted in the U.S. and around the world. If a merchant has a chip-enabled card terminal, cardholders will insert their card during the transaction. In the U.S., cardholders will still be able to ‘swipe’ their card to make a payment if a merchant has a regular terminal. Cardholders will need a PIN to be able to make a transaction at an ATM.

How do cardholders use a chip card?

Start the payment process by swiping your card. If the merchant’s terminal is chip-enabled, you will be prompted to insert your card.

  1. Insert the card, face up and chip end into the chip-enabled terminal.
  2. Leave the card in the terminal during the entire transaction.
  3. Follow the instructions on the screen and either sign their name or enter their PIN as needed. Be sure to remove your card and take your receipt when the transaction is complete. 

If the terminal is not chip-enabled, the transaction will process as it normally does from the initial swipe.

What if a merchant doesn’t have a chip-enabled terminal?

For merchants without chip-enabled terminals, cardholders will ‘swipe’ their card through the terminal, just as is done today.

Can I still use my current card?

You can use your current card until you get a chip card. At that time, you should activate the new chip card and start using it. You should destroy your old card by cutting it up or shredding it. Old cards will be deactivated over time.

Do I need to sign the back of the card?

Yes. You still need to sign the back of your card.

What will happen with my automatic payments assigned to my old debit card?

The new cards will also have a new expiration date and new CVV code on the back. This will affect any auto-payments you may have set up, or online stores that house your credit card information. However, since the card number will remain the same, there is no need to re-register for UChoose Rewards® points.

Can a chip card be used to make purchases online or by phone?

Yes. There is no change to that process. Chip cards can be used to make these purchases the same way as is done today.

Can chip cards be used at an ATM?

Yes. For ATM transactions, you will insert their card into the terminal and follow the instructions on the screen. Depending on the type of ATM, you might be prompted to re-insert their card. You will leave the card in the ATM until the transaction is complete and the card is released. Then you will remove your card and any money you might have withdrawn.

What is the difference between chip and signature and chip and PIN?

You might be asked to provide their signature or enter your PIN to complete a transaction when you use your card. You will need to use your PIN at ATMs and it might be required at some unattended card terminals such as fuel pumps and payment kiosks.

What happens if a chip card is lost or stolen?

  • Report a lost or stolen card promptly by calling the toll-free number listed on the back of the card. If they can’t access that number, you can call (877) 820-2265.
  • Replaced cards will be issued with new account numbers.
  • You will need to update any automatic payments with your new numbers.

How are cardholders protected?

All cards that we issue come with 'zero liability protection,’ so cardholders are not held liable for unauthorized transactions if a card is stolen, lost or fraudulently used at a merchant or online. It is important that cardholders promptly report a lost or stolen card or any suspicious transactions. Check the applicable account agreement for liability and reporting requirements for unauthorized transactions.

Will chip cards prevent data breaches?

While chip cards won’t prevent the types of large-scale data breaches that have hit some merchants, they do make it extremely difficult to produce counterfeit cards from that stolen data.

Can cardholders be tracked with their EMV cards?

No. Chip cards contain no tracking information.

Can cardholders request a chip card before the scheduled rollout date?

No. The chip card replacement plan has been accelerated but the rollout date cannot be changed.

Will all of our cards be chip cards?

Yes. Personal, Business and Health Savings Account debit cards will be chip cards.

Apple Pay FAQs

What is Apple Pay and how does it work?

To use Apple Pay for purchases in-store, you must first add your eligible debit or credit card(s) on your iPhone® 6 or Apple Watch™ 5 or 6 using the Passbook application running on iOS 8.1 or later. Once your card has been added, you can hold your device near the contactless reader. Then, place your finger on “Touch IDTM” and hold the iPhone near the reader until you see “Done” and a checkmark on your screen which indicates that your payment is complete. If “Touch ID” doesn’t work, or you do not have it enabled, you will need to enter your device passcode. 

To use Apple Pay for purchases within participating merchant apps (or in-app), you must first add your eligible card on your iPhone 6, Apple Watch 5 or 6, iPad® Air 2 or iPad miniTM 3 in “Settings” on your device. Once your card has been added, look for the “Apple Pay” button at checkout. Simply tap the “Apple Pay” button and review your payment information and contact details to complete your purchase. You will see “Done” and a checkmark on the screen when your payment is complete.

How can I add my card to Apple Pay?

To add an eligible card(s) on iPhone 6, Apple Watch, iPad Air 2 or iPad mini 3, go into “Settings,” open “Passbook & Apple Pay” and select “Add Credit or Debit Card.” On iPhone, you can also open the Passbook app to add a card.

When adding your card, you can choose to add the card you already have on file with iTunes® or add new cards by manually entering your card information or taking a picture of your card. 

Which devices are eligible for Apple Pay?

In order to use Apple Pay, you need to have iPhone 6 , iPhone 6 Plus, or Apple Watch 5 or 6 running on iOS 8.1 or later for contactless and in-app payments. You can use iPad Air 2 and iPad mini 3 for in-app payments only.

Where can I use Apple Pay?

 You can use Apple Pay to make payments in stores with your iPhone 6 wherever contactless payments are accepted. Just look for the contactless and/or Apple Pay symbol at checkout.

Apple Pay Card reader images
You can also use Apple Pay in participating merchant apps with iPhone 6, Apple Watch 5 or 6, iPad Air 2 and iPad mini 3. Look for the “Buy with Apple Pay” or “Apple Pay” button at checkout within the apps. 

Buy with Apple Pay images
Visit Apple for a recent list of merchants where payments are accepted.

What is a Device Account Number and how is it different from my card number? 

For your security, when you add your eligible card to Apple Pay, a Device Account Number – separate and unique to your device – is created. Your Device Account Number, instead of your real card number, is used to make purchases using Apple Pay. Merchants do not store your card number. 

How many cards can I put on my device? 

At this time, Apple allows up to eight cards on a device. 

Can I put my credit or debit card on multiple devices? 

Yes, you can add your card(s) on up to 10 devices. For each of your devices, you will need to add your card(s) by visiting the “Passbook & Apple Pay” section in your device “Settings” or the Passbook app. You’ll be notified when your card is added to each device. 

Can I remove my card from my device? 

You can remove your card by selecting “Remove Card” in the “Passbook & Apple Pay” section in your device “Settings” or on the back of your card in the Passbook app by tapping on the i symbol. 

You can also visit www.icloud.com/settings to remove your card or use the Find My iPhone app to temporarily suspend or permanently remove the ability to pay with your cards on your device. 

How are refunds handled with an Apple Pay purchase? 

If you need to make a return for a purchase made with Apple Pay, you may be asked to provide to the cashier the last four digits of your Device Account Number instead of the last few digits of your card number. To find the last four digits of your Device Account Number for each card, visit the “Passbook & Apple Pay” section in your device “Settings” or look on the back of your card in the Passbook app. 

How can I delete my card if my device is lost or stolen? 

If you believe your device or Apple Pay card information has been lost, stolen or compromised in any way, call us immediately at (877) 820-2265. 

You can also go to www.icloud.com/settings or the Find My iPhone app to temporarily suspend or permanently remove the ability to make payments from your device, even if your device is offline. 

Apple, the Apple logo, iPhone and iPad are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay and Touch ID are trademarks of Apple Inc. 611-15-24648-COL 03/15 

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