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Debit Card FAQs

Why are some debit card transactions blocked?

We may block or limit the types of transactions processed using debit cards in response to alerts of excessive fraudulent activity. We take these precautions to protect our customers and the funds in their accounts from potential fraud.  Information regarding these transaction limitations is provided below.

We are currently blocking signature-based debit card transactions greater than $10 in the states of Arizona, California, Georgia, Illinois, Nevada, New Mexico, North Carolina and Tennessee. You will be able to process PIN-based and internet transactions with your debit card in these states.

We are also blocking magnetic stripe PIN and signature-based transactions greater than $50 in the states of New Jersey, New York and Pennsylvania. Chip transactions will not be blocked.

Can I use my debit card outside the United States?

We advise using a credit card when traveling abroad instead of your debit card to protect the funds you have on deposit in your accounts from potential loss due to fraudulent transactions.

If you are traveling abroad, please be advised that we block all ATM and debit card transactions initiated in Bosnia-Herzegovina, Brazil, CubaFrance, IndiaLibya, Malta, Nigeria, North Korea, and Romania.

In Great Britain and Saudi Arabia, we are currently blocking transactions initiated on the internet and signature-based transactions using your debit card. You will be able to process PIN-based transactions with your ATM or debit card.

In China, signature-based debit card transactions are being blocked. You will be able to process PIN-based transactions and transactions initiated on the internet.

In Italy, we are currently blocking signature-based transactions greater than $25 using your debit card. You will be able to process PIN-based transactions and transactions initiated on the internet.

You will be unable to use your debit card for internet-based transactions in Albania, Azerbaijan, Bulgaria, Croatia, Cyprus, Hong Kong, Latvia, Liechtenstein, Luxembourg, Malaysia, Mauritius, Netherlands, Netherlands Antilles, Philippines, Singapore, Slovenia, and Vietnam. You will be able to process PIN-based and signature-based debit card transactions in these countries.

How do I report a suspected fraud, or a lost, stolen or compromised card?

If you suspect there may be fraudulent activity on your account, you must notify the bank immediately.

To report a lost, stolen or compromised ATM or debit card, contact the bank as soon as you become aware that your card is missing or has been compromised.  You may contact any branch office during business hours or call HOT CARD Lost & Stolen Services at 1-800-264-5578 after business hours.

Where can I learn more about protecting my ATM and debit cards? 

You can learn more about protecting your card or reporting fraudulent transactions by visiting the Federal Trade Commission website.

I am having an issue when trying to activate my debit card. What should I do?

Contact a customer service specialist at any branch office during normal business hours to troubleshoot debit card activation issues.

How much cash can I withdraw from an ATM with my debit card?

You may withdraw up to $500 at ATMs in any one day. Lower limits apply to debit cards issued to Student Checking customers under the age of 18.

What is the limit for purchases using my debit card?

You may make purchases of up to $1,000, including cash back, through point-of-sale transactions in any one day. Lower limits apply to debit cards issued to Student Checking customers under the age of 18.

Can I have my ATM or debit card limit increased?

Yes. You can request a temporary increase to your ATM withdrawal or purchase limits by contacting a customer service specialist at any branch office during normal business hours. The temporary increase in the limit will usually be available for up to two business days.

Why is there a hold on funds in my account after using my debit card?

A debit card transaction may not be debited from your account at the time the transaction occurs. Some merchants batch their debit card transactions and process them at a later time, usually at least once per day. To verify that your debit card is active and that funds are available, the merchant’s processor will place a hold on funds in your account that may or may not be the same amount as the debit card transaction. When the merchant processes their debit card batches, your account will be debited and the hold on the funds will automatically be removed.

Can I place a stop payment on a debit card transaction?

No. A stop payment cannot be placed on a debit card transaction that was authorized at the time the transaction occurred.

Can I prevent or block debit card transactions by a specific merchant or vendor?

No. You are not able to block a certain merchant or vendor from processing debit card transactions that you have authorized.

Do you need to know if I will be traveling and using my debit card in places that are not typical for me?

We advise customers who are traveling and will be using their debit card outside of their normal area to provide us with a travel notification. This helps us to determine whether any unusual activity is expected or is potentially fraudulent. You can submit a travel notification through the Online Banking Service Center.

I have misplaced my debit card. Can I turn it off while I look for it?

Yes. You can deactivate your debit card through the Online Banking Service Center, and then reactivate your debit card when you find it. If you are not able to find your debit card, contact our HOT CARD Lost & Stolen Services at 1-800-264-5578 immediately.

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