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My ATM/debit card has been lost/stolen. What should I do?

You should notify the bank immediately after learning of the loss or theft of your access device (ATM/debit card). If you do so within two business days, your liability will be the lesser of the following:

  • $50
  • The amount of unauthorized transfers that occur before the bank receives notice.

However, if you fail to notify the bank within two business days, your liability could be as high as $500.

Last Reviewed: April 2021

Please note: The terms "bank" and "banks" used in these answers generally refer to national banks, federal savings associations, and federal branches or agencies of foreign banking organizations that are regulated by the Office of the Comptroller of the Currency (OCC). Find out if the OCC regulates your bank. Information provided on should not be construed as legal advice or a legal opinion of the OCC.

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