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Dealing with Debit Card Fraud

Last month we asked you what you wanted to see featured in our monthly eNews. One member, Robert, asked "how to deal with and resolve debit card fraud." Good question! This can be an extremely frustrating situation, especially for those of us who consider our debit card to be our lifeline to our checking account.


  • 1. Stop using the card immediately. This can be difficult when it is your primary means of payment, but it will make it easier for you to determine which charges are fraudulent.

  • 2. Report the card as lost/stolen immediately. Click here to view phone numbers and websites you can use to report your card as lost or stolen.

  • 3. Contact us. If you reported your card in the evening or over the weekend you may want to contact your local branch the following business day. We may instruct you to complete a police report, affidavit of fraud (requires notarization) and a dispute form. This sounds like a lot, but it will help minimize your liability.

So, speaking of liability, just how much are you liable for? Well, if the card was used with your PIN the most you'll be liable for is $50, as long as you report the loss within 2 business days. If you wait longer, you could be liable for up to $500. However, if your PIN was not used you will not be liable for any fraudulent transactions when:

  • Your account is in good standing

  • You have exercised reasonable care in safeguarding your card

  • You have not reported 2 or more unauthorized events in the past 12 months

After you have followed the steps above a provisional credit will be made to your checking account within 10 days. We'll work with MasterCard on your behalf to dispute the fraudulent transaction(s) and notify you by mail of the results.

So, the sooner you notify us, the better. And remember, we're here to help! To find out how you can help prevent fraud from happening visit our online fraud resource center.

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