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Lost or Stolen Debit Card?

debit card

The first step to take when your card has been lost or stolen is to report it. During banking hours you can call your local branch and we will place either a temporary hold on your account or will cancel it if necessary. If you discover that your card is missing after regular banking hours, you can report your lost or stolen card by calling our card provider. It is important to take immediate action to protect your account, and your identity from theft.


Flanagan: (815) 796-2264
El Paso: (309) 527-7300
Benson: (309) 394-2785
Bloomington: (309) 661-6333
Le Roy: (309) 962-4707
Gridley: (309) 747-3600 


FISERV: 1-800-472-3272

Once you’ve reported your card missing or stolen, we can assess whether a third party has accessed your account and made fraudulent charges. If the account is clear of fraud, we will move forward with establishing a new card account on your behalf. If fraud has occurred, we will take the steps necessary to recover your funds and protect your account from compromise in the future.

Click here to see a full list of our locations and hours of operation.

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Debit Card Fraud Prevention

One of the banking industry’s major concerns in today’s high-tech, electronic society is protecting its customers from debit card fraud. Debit card fraud can present you with many unanticipated challenges, from the nuisance of having your card declined to the loss of your private information and personal funds. Fortunately, Flanagan State Bank has set up several road blocks to prevent thieves from accessing your account, and has systems in place that will allow you to get your money back as soon as possible, if fraud occurs.

Card Activation & PIN Confidentiality

When you are first issued a debit card—usually after a 90 day introductory period—your PIN (Personal Identification Number) will arrive separately from your card in the mail. One of the ways today’s thieves steal personal information is by taking mail directly out of personal mail boxes. Sending the card and the PIN separately prevents thieves from using your card, since they will most likely only get their hands on one or the other.

Once you receive both the card and the PIN in the mail, you should activate the card in one of two ways. You may activate it by calling the 800 number provided on the card mailer or by using it at an ATM with your PIN. You do not have to withdraw any funds at the ATM to complete the activation; you must simply swipe your card and enter your PIN. Upon completion of the activation process, you should sign the back of your new card, memorize your PIN, and either shred your PIN mailer or store it in a safe place.

Never write your PIN number on your card or keep it in your purse or wallet; should the item(s) ever be stolen, this would give a thief direct access to your bank account. Your PIN should be known by you and you alone. Flanagan State Bank will never ask for your PIN and will not set a PIN for you. If you are ever contacted by a company that asks for your PIN number, do not supply them with any information; this is a clear indication of fraud.

Spending Limits

Another one of the ways that we—along with other banking institutions—protect your account is by setting daily limits on debit card and ATM usage. Spending and withdrawal limits ensure that if personal information falls into the wrong hands, the perpetrator will be unable to withdraw more than the set limits and drain your bank account.

Flanagan State Bank currently sets its daily point-of-sale limit at $1000, and its daily ATM withdrawal limit at $300. This means that you are able to spend up to $1000 daily on in-store or online purchases, and can withdraw up to $300 daily in cash from an ATM.

If your card has ever declined at a register when you’ve known you’ve had more than enough funds, these limits may be the culprit. Remember though, a thief trying to max out your card would also be prevented access to the remainder of your money, should they try to spend more than those limits. We want to crack down on identity thieves, but still provide you access to your funds.

If you are planning to make a large one-time purchase like: buying plane tickets, purchasing multiple items of furniture, or booking a hotel stay, you can stop by the bank in advance of the purchase to fill out a form that will raise your limits for a specified time span and allow that purchase to clear. Your limits will be lowered again on the date of your choosing.

It is possible to raise your limits permanently if you have special circumstances. You may travel a lot on business or make inventory purchases for your company, etc. Just keep in mind that raised limits expose you to increased risk. The lower your limits, the more you are protected from fraud. If you would like to permanently change your limits, we will provide you with a disclosure outlining our policies and request a signature acknowledging your acceptance of the terms.

If you are having card or funds availability issues after banking hours and suspect that your card may be blocked, you can call the FISERV helpline 24/7 for more information.



Constant Monitoring

Our goal is to make it as hard as possible for criminals to infiltrate your bank account and inconvenience you. Together with our card supplier, FISERV, we are constantly on the lookout for suspicious transactions. Fraud alerts are generated by FISERV whenever a transaction is deemed suspicious.

Once an alert is generated, an automated system will contact you to verify whether the transactions are valid. If they are, there is no need for further follow up. If they aren’t, the system will connect you with a representative who will hot card or cancel the debit card, thus preventing any further invalid or fraudulent charges to the account.

Personal Maintenance & Vigilance

Even though we have safeguards in place, the best fraud prevention is your personal, hands-on involvement in the maintenance of your financial accounts and your vigilance when it comes to risk exposure. Know how much you have in your account at all times. Be aware of your incoming and outgoing transactions. Check your statements against your receipts and note if something looks unfamiliar. Following are some additional fraud prevention tips.


  • Never reveal your PIN or your account number to anyone. Never write your PIN number on your card or keep it in your purse or wallet. Instead, commit your PIN number to memory.
  • Keep an eye on your card whenever it is in use. Watch clerks process your payments to make sure they are doing so accurately and honestly.
  • Sign new or replacement cards as soon as you receive them and shred or cut up any expired cards before disposing of them.
  • Never leave receipts behind after making a purchase where someone could pick them up—especially at self-service gas pumps or ATMs.
  • If you are going shopping or are on vacation, only carry the cards with you that you intend to use. Keep any other cards at home or locked up in a hotel safe.
  • If your debit card is ever lost or stolen, notify your local branch immediately so they can monitor your account and cancel the card.
  • Check to see if your homeowner's or renter’s insurance policy covers your liability for card thefts. If not, some insurance companies will allow you to change your policy to include this protection.
  • When purchasing items online, check to see if the site is hosted on a secure server. Look for a security symbol such as an unbroken key or padlock symbol at the bottom of your browser window. Another indication of extra security is if the URL you are visiting starts with “https”. “Https” indicates a higher level of encryption and protection than most regular web sites.
  • Utilize your statements. It can be tempting to toss them aside without really taking the time to look them over, but they are a valuable fraud prevention tool. By regulation of the Electronic Funds Transfer Act, you have up to 60 days to notify the bank of any unauthorized withdrawals or transactions before you will lose the funds for good.
  • Review your credit bureau reports regularly. This may be the only way to identify if you are a victim of identity theft. To review your credit reports, visit these three major credit bureau sites: 1) Equifax: http://www.equifax.com/, 2) Experian: http://www.experian.com/, and 3) TransUnion: http://www.transunion.com/.

Further Information

Remember, along with their added convenience and ease of use, debit and credit cards come with their own set of challenges and risks. You can rest assured that Flanagan State Bank is doing all it can to protect your accounts and your identity.

If you have additional questions about financial fraud prevention or any other debit card issues, please call your local branch. We are here to help.

For further information on this subject and many others, or to file a fraud or identity theft claim, you can visit the Federal Trade Commission’s Consumer Information web site at http://www.consumer.ftc.gov/.

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