Protect Yourself from Debit Card Fraud

  • Always report a lost or stolen debit card as soon as possible.
  • Never share your PIN with others, and memorize it instead of writing it down.
    When using your debit card, lean in and shield the transaction so that others nearby can’t see you enter your PIN
  • Try to keep an eye on your card the entire time it’s in the hands of a clerk or waiter.
  • Consider using a credit card rather than debit card for online purchases.

Keep an eye on your account! Sign up for Internet Banking and check your account often.  Immediately report any suspicious transactions so that we may cancel your card before more damage is done.

FAQs on Compromised Debit Cards

What is a compromised debit card?
It is a card at risk of being used for fraudulent activity.  This can happen due to many different types of criminial activity, including skimming devices placed in point-of-sale terminals or ATM machines, network intrusion, computer theft, etc.  This can happen at a place of business where you used the card, or as your payment information goes through the processing system.

How does Texas Bank handle compromised card notifications?
We take this situation very seriously.  If we receive notification that your card number has possibly been compromised, we will cancel that card and order you a replacement at no charge.  We will make every effort to contact you by phone.

Does a compromised card mean that I have fraudulent charges on my account?
It does not necessarily mean you have had fraudulent charges, but cancelling the card is the best way to prevent possible fraud.

How long will it take to receive a replacement card?
Most replacement cards arrive within 7 to 10 business days.

Will my PIN number change along with the new card number?
Yes, your new card will come with a randomly generated PIN number.  If you wish to choose your own, simply come by and we will re-PIN and activate your card.  If you choose to use the PIN assigned to your card, you may activate it by using it at an ATM machine.

What if I have preauthorized debits made to my compromised card number?
You should contact the payee(s) immediately and provide your new information.  Using a credit card rather than a debit card could be a safer alternative for these types of transactions.  Another option would be for the payee to debit your account via ACH.

If fraud does occur on my account, what should I do?
Contact the business that charged your account and notify them that the charge was fraudulent.

Contact the bank at 325-949-3721 and report the fraud as soon as possible.  You will be asked to come by and complete a debit card dispute form.  You may be asked to file a police report.

You may report a lost or stolen debit card 24 hours a day, 7 days a week by calling 1-866-546-8273.

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