Lost or Stolen Debit Cards

If you have lost or had your debit card stolen, please call one of the following numbers.

During Business Hours:
(816) 251-9000

After Business Hours:
1 (866) 546-8273

If it is more convenient and/or you have internet access:

  1. Login to your online banking
  2. Click on options
  3. Click on ATM/Debit Card
  4. Check the lost/stolen box
  5. Your card will immediately be disabled and defined as a “hot card”

How Debit Cards Become Hot Carded

Typically, banks only hot card a debit card when alerted by the debit card customer. When a cardholder loses a card, or if someone steals the card, the cardholder should alert the bank. Cardholders can alert companies by phone or online. Debit card customers usually have 24-hour access to card security measures such as hot carding. Customers will have to answer a few security questions to verify their identity, after which the bank will immediately freeze the card.

After a Hot Carding

Once a bank hot cards a debit card, the process is irreversible. The cardholder must order another card. The card provider will administer an inquiry about the stolen or lost debit card. After the bank obtains sufficient information, it will ask more security questions and update the account information. When the customer’s identity has been verified, the bank will send a new debit card in the mail to replace the old one. If a customer later finds their lost or stolen card, the card should be destroyed and thrown away because it will remain unusable.