Protect Your Account
Lost or Stolen Card Assistance
Report a missing card, cancel it quickly, and request a secure replacement.
Act quickly to protect your account
If your card is missing, stay calm — we’ve got you covered. Report it right away so we can secure your account, stop any unauthorized activity, and send you a replacement card without delay. For faster self-service, log in to Digital Banking or our Mobile App to report your card as lost or stolen.
Take action right away
If your card is missing, report your card as lost or stolen immediately to protect your account and prevent unauthorized transactions. Report it in Digital Banking for faster self-service
24/7 Fraud Assistance
We’re here whenever you need us. Our fraud specialists monitor card activity around the clock and can help secure your account at any time
Shop with confidence
Visa’s Zero Liability Policy* ensures you won’t be held responsible for unauthorized charges — online or in-store
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Your Questions. Answered.
Frequently Asked Questions about Lost or Stolen Cards
Learn how to safeguard your credit and debit cards.
What should I do if my card is lost or stolen?
If your debit or credit card is missing, contact us right away so we can secure your account and issue a replacement card. You can also reach Visa’s 24-hour hotline for immediate assistance:
- Debit Cards: 888-918-7836
- Credit Cards (U.S.): 866-820-5801
Quick action helps prevent unauthorized transactions and keeps your funds safe.
How soon will I receive my replacement card?
Once your lost or stolen card is reported, we’ll cancel the existing card and mail you a new one. Most members receive their replacement within 7–10 business days. Expedited shipping may be available upon request.
Am I responsible for unauthorized charges?
No — you’re protected under Visa’s Zero Liability Policy.* You won’t be held responsible for unauthorized transactions on your card, whether they happen in-store or online.
What if I find my card after I’ve reported it lost?
Once a card has been reported lost or stolen, it’s permanently deactivated for your protection. Please destroy the old card and wait for your new one to arrive.
How can I help prevent card fraud in the future?
- Do not give your debit or credit card to anyone.
- Set up real-time alerts in Digital Banking to monitor transactions.
- Keep your contact information current so we can reach you about suspicious activity.
- Never share your card number, PIN, or verification codes with anyone.
Can I still access my account while waiting for a new card?
Yes. You can log in to Digital Banking to view balances, make payments, and transfer funds while your new card is on its way.
What if my card is used fraudulently online?
You’re still covered. Visa’s Zero Liability Policy protects you against unauthorized online purchases. Just report the suspicious charge immediately so we can investigate and resolve it quickly.
*Visa’s Zero Liability Policy does not apply to certain commercial card and anonymous prepaid card transactions or transactions not processed by Visa. Cardholders must use care in protecting their card and notify their issuing financial institution immediately of any unauthorized use. Contact your issuer for more detail.