What to Do If Your Debit Card Is Lost or Stolen

Losing a debit card is stressful, but acting quickly limits the damage. Here's exactly what to do.

Step 1: Report It Immediately

The sooner you report a lost or stolen card, the better. Call us as soon as you realize your card is missing:

• During business hours: Call (830) 792-1950
• Outside of business hours: Call (800) 500-1044

Step 2: Review Your Recent Transactions

Log in to online or mobile banking and review your recent transactions. If you see charges you don't recognize, let us know when you call — we can help you dispute unauthorized transactions.

Step 3: Get a Replacement Card

We'll cancel the compromised card and issue you a new one. Replacement cards are typically available within a few business days.

Step 4: Update Automatic Payments

Once you receive your new card, update any automatic payments or subscriptions that were linked to your old card number.

Prevention Tips

• Sign your card as soon as you receive it
• Never write your PIN on your card or store it with your wallet
• Set up account alerts so you're notified of every transaction
• Check your card regularly — especially after traveling or using an ATM