Visa BIN list Visa Debit Cards — Mountain America Credit Union - IIN 405385

Debit card numbers that start with the Issuer Identification Number (IIN) 405385 are Visa debit cards issued by Mountain America Credit Union in United States. Mountain America Credit Union issues cards under a total of three IIN numbers including this one, so some card numbers issued by Mountain America Credit Union may start with IIN numbers from one of these other ranges. You can view a list of all three of Mountain America Credit Union's IIN numbers here. For more information, call Mountain America Credit Union at (800) 748-4302.

Mountain America Credit Union
credit card chip
4053 Valid Thru 08/2025
John Q. Cardholder
Card Scheme Visa
Bank Name Mountain America Credit Union
Card Type DEBIT
IIN 405385
Card Number 4053 85XX XXXX XXXX
Bank Phone (800) 748-4302
Bank Country United States

Anatomy of a Mountain America Credit Union Visa 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 4 indicates that this is a Visa 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 405385 indicates that this card was issued by Mountain America 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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