Report Debit Card Fraud
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Debit card fraud occurs when someone gains access to your debit card number, and in some cases, your personal identification number (PIN), to make unauthorized purchases or cash withdrawals from your account.
It is important to review your transaction history regularly, or setup debit card transaction notifications through online or mobile banking to ensure you are catching fraud quickly.
Is it Fraud?
If you detect a purchase or withdraw that you don't recognize, ask yourself these questions before reporting fraud.
| Ask Yourself These Questions |
Consider These Possibilities |
| Did you sign up for a service or a free trial? |
It's possible you may have forgotten that you authorized your debit card for a service or free trial. |
| Did you give your card to someone, or did someone have access to your card? |
Check with that individual(s) first to see if they made the transaction. |
| Is the transaction description different than the purchase you made? |
Sometimes merchants use a description that doesn't always match the purchase. |
| Is the state on the description different than the location of purchase? |
It's possible that the state listed is the merchant's headquarters. |
| Is the charge a recurring charge on your account that happens automatically? |
Infrequent charges, such as annual payments may be easily forgotten, but legitimate. |
| Did you misplace your card during the timeframe that the suspicious transaction posted? |
This may help you narrow down where the card may have been used. |
How to Close Your Debit Card and Report Fraud:
Once you've reviewed the above questions, and you confirm debit card fraud has occurred, it is imperative to close your debit card immediately to prevent any further fraudulent charges.
See below for methods to close your card and report the fraudulent transactions to us.
| Method |
Action |
Next Steps |
| Card Management |
Turn your card "off" in Card Management through your Online or Mobile Banking |
Call the bank during business hours for fraud assistance and card replacement. |
| Call the Bank (during business hours) |
Call the bank at (641) 753-5900 |
Discuss the fraud with a bank representative and they will assist you with resolution and card replacement. |
| Call the Bank (after business hours) |
Call the bank at (641) 753-5900 and follow the phone prompts to be connected to our after-hours card service |
Discuss with a Card Services representative and they will close your card. Follow-up by calling the bank during business hours for assistance with fraud resolution and card replacement. |
| Call After Hours Card Services |
Call Card Services at (877) 328-1994 |
Discuss with a Card Services representative and they will close your card. Follow-up by calling the bank during business hours for assistance with fraud resolution and card replacement. |