Mastercard BIN list Mastercard Debit Cards — Bayport Credit Union - IIN 545448

Debit card numbers that start with the Issuer Identification Number (IIN) 545448 are Mastercard debit cards issued by Bayport Credit Union in United States. Note that this is the only IIN range issued by Bayport Credit Union, so all cards issued by this provider will be of the format 5454 48XX XXXX XXXX. For more information, call Bayport Credit Union at (800) 928-8801.

Bayport Credit Union
credit card chip
5454 Valid Thru 08/2023
John Q. Cardholder
Card Scheme Mastercard
Bank Name Bayport Credit Union
Card Type DEBIT
IIN 545448
Card Number 5454 48XX XXXX XXXX
Bank Phone (800) 928-8801
Bank Country United States

Anatomy of a Bayport Credit Union Mastercard Credit Card Number

While credit card number may seem like a random string of digits, they actually contain a large amount of valuable data about the card that can be used for validation and verification purposes.

Digit 1 — The MII

The first digit of the card is known as the MII digit, and indicates the credit card's scheme. In this case, the MII of 5 indicates that this is a Mastercard card.

Digits 1-6 — The IIN / BIN

The first six digits of the card number, inclusive of the MII, are called the IIN (Issuer Identification Number) or BIN (Bank Identification Number). This sequence uniquely identifies the bank that issued the card. In this case, the IIN of 545448 indicates that this card was issued by Bayport Credit Union in United States.

Digits 7-15 — The Account Number

Digits 7-15 of the credit card number contain the Primary Account Number, or PAN, issued by the bank to uniquely identify the account holder. These 8 digits are the most important part of the credit card number.

Digit 16 — The Check Digit

The last digit of the card number (the 16th digit in most cases) is the check digit, which is calculated by applying a mathematical formula called the Luhn algorithm to the preceding portions of the account number. While not actually part of the account number itself, the check digit is essential to allow easy validation of card numbers and detection of typos, missed digits, etc.

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