Lost or Stolen Debit Card

At Bank of Old Monroe we realize that when you have a question about a debit card, you want answers quickly. Please choose one of the options below to get in touch with us so we can assist you.

To report a lost or stolen debit or ATM card, please contact 800-528-2273 24/7. Contact Fraud Services at 800-889-5280 Opt. 1 to report fraudulent debit card activity.

Please read the following before continuing:

• To receive your MasterCard Debit Card instantly, visit any one of our Old Monroe, Moscow Mills or Troy locations. Otherwise, we will mail your new card.
• Please allow 7-10 business days for delivery.
• Activate your new card by contacting 866-642-0450. If you have not preset your PIN number contact 877-265-9594.

Frequently Asked Questions

How long will it take to resolve a MasterCard dispute or fraud?

Investigation begins as soon as you notify us. Resolution times may vary but must be completed within 90 days.

How can I research MasterCard purchases appearing on my statement?

There is often a phone number for the merchant associated with the charge. If you still do not recognize the charge, you may want to begin the fraud/dispute process.

When will I receive reimbursement for a disputed or fraudulent MasterCard charge?

In most cases credit will be posted to your account within 10 business days. This credit is issued on a provisional basis until the dispute is resolved. If you do not complete the required forms this credit may be removed from your account.

Why do you post fraudulent or unauthorized MasterCard charges?

Bank of Old Monroe is obligated by MasterCard regulations to post all signature based transactions that receive an approval code.

If my card is Lost/Stolen and I have it reissued will the PIN stay the same?

No. Call 877-265-9594 to choose your PIN over the phone.

How do I turn off my debit card if suspicious charges appear on my account?

Contact Fraud Prevention Services at 800-889-5280 Opt. 1.

Please select one of the options below.

• Contact a Bank of Old Monroe Representative or call us at 636-665-5601.
• To receive your card instantly, visit any one of our 5 locations in Old Monroe, Moscow Mills, O’Fallon, Wentzville or Troy.
• Complete the Debit Card Replacement Form.

*A Bank of Old Monroe representative may contact you for verification before issuing your card.

Please note: When receiving your new card by mail, it may take 7-10 business days for delivery.

• To set up your PIN over the phone, call 877-265-9594.

Please read the Electronic Funds Transfer Agreement/Disclosure.

If you would like to change your PIN, you can do so by:

• Stopping by any branch during normal business hours, Monday through Saturday.
• Call us at 877-265-9594.

For consumer accounts, if you have provided us with your consent, we may authorize ATM withdrawals and everyday debit card purchases which may overdraw your account.

Please note: a $25 overdraft fee is assessed for each item that overdraws your account. Review the authorization form for more important information.

There are a variety of ways to contact us to opt-in for our Automatic Overdraft Program. Please select the option that is the most convenient for you:

• Contact a Bank of Old Monroe Representative by phone.
• Visit a Bank of Old Monroe branch.
• Complete the “opt-in” form.

*A Bank of Old Monroe representative may contact you for verification before enabling Automatic Overdraft for your account.