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To report a lost or stolen debit card, after hours, or any fraudulent activity please call our Fraud Prevention Service at 1-866-842-5208 to identify fraudulent transactions. From time to time you may receive a call from them to confirm the validity of transactions that appear as if they could be fraud. Until the transactions are confirmed to be genuine, your card will be temporarily blocked.
If your debit card is lost or stolen, federal law limits your liability for unauthorized charges. Your protection against unauthorized charges depends on the type of card — and when you report the loss.
Acting fast limits your liability for charges you didn’t authorize. Report the loss or theft of your card to the card issuer as quickly as possible. Many companies have toll-free numbers and 24-hour service for such emergencies. Once you report the loss of your ATM or debit card, federal law says you cannot be held liable for unauthorized transfers that occur after that time.
The Fair Credit Billing Act (FCBA) and the Electronic Fund Transfer Act (EFTA) offer protection if your credit, ATM, or debit cards are lost or stolen.
Under the FCBA, your liability for unauthorized use of your credit card tops out at $50. However, if you report the loss before your credit card is used, the FCBA says you are not responsible for any charges you didn’t authorize. If your credit card number is stolen, but not the card, you are not liable for unauthorized use.
If you report an ATM or debit card missing before someone uses it, the EFTA says you are not responsible for any unauthorized transactions. If someone uses your ATM or debit card before you report it lost or stolen, your liability depends on how quickly you report it:
|If you report:||Your maximum loss:|
|Before any unauthorized charges are made.||$0|
|Within 2 business days after you learn about the loss or theft.||$50|
|More than 2 business days after you learn about the loss or theft, but less than 60 calendar days after your statement is sent to you,||$500|
|More than 60 calendar days after your statement is sent to you.||All the money taken from your ATM/debit card acount, and possibly more; for example, money in accounts linked to your debit account.|
If someone makes unauthorized transactions with your debit card number, but your card is not lost, you are not liable for those transactions if you report them within 60 days of your statement being sent to you.
For more information, visit the Federal Trade Commission's website about Consumer Protection.