Have a question about a debit /ATM 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.

Contact UsVisit One of Our Branches

To report a lost or stolen debit card

Call 636-665-5601, during non-business hours contact 800-264-5578

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 at any ATM using your preset PIN number. If you have not preset your PIN number contact 636-665-5601.
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Dispute a Charge / Report a Fraudulent Transaction

We work hard to keep your information and accounts secure. As a customer convenience, our fraud monitoring service keeps an eye on your accounts for potentially fraudulent activity. However, if you feel your information may have been compromised or that you were unfairly charged by a merchant, please contact us as soon as possible.

Report Fraud

Fraudulent transactions are often the result of counterfeit or skimmed cards, computer breaches or a lost or stolen card.

If you feel that your account may have been compromised, please contact us immediately.

To report fraudulent activity, please call: 636-665-5601

Dispute a Charge

Possible reasons for a dispute may include if you receive a service or merchandise that was defective or not as described, you didn’t receive the service or merchandise or the order or service was canceled or returned after you paid for it, being double charged by a merchant, if you canceled a service but the merchant continued to charge you, if you paid by other means but were still charged on this card, a processing error or an ATM/POS dispute. Please call us as soon as possible to start the claim process.

Please note: Filing a dispute via phone is the fastest way to initiate a claim.

To file a dispute, please call: 636-665-5601*

Dispute Claim Forms

Complete the dispute claim form.

Still have questions? Please call 636-665-5601

Note: To limit liability, timely notification is encouraged (2 business days from loss or theft of access device or 60 days from the statement that lists the disputed item).

*Written confirmation within 10 days of oral notice is required in order to receive provisional credit.

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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 636-665-5601 to choose your PIN over the phone.

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

During normal business hours, you can contact the Operations department at (636) 665-5601.  After hours you can contact Fraud Prevention Services at (866) 842-5208.

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Need to replace an ATM or debit card?

Please select one of the options below.

*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 636-665-5601.

Please read the Electronic Funds Transfer Agreement/Disclosure.

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How to get a new PIN number

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 636-665-5601
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Opt-In for Automatic Overdraft Program

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:

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

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We Offer Mobile Banking

Manage your finances on the go with the Bank of Old Monroe app! Our app allows you to view transactions, transfer funds, pay bills, deposit checks and more! To discover all the ways our app can benefit you, visit your app store and search “Bank of Old Monroe” to download.

* Message & data rates may apply from your wireless carrier.

  • Third Party Site Disclaimer

    By accessing the noted link you will be leaving Bank of Old Monroe’s website and entering a website hosted by another party. Bank of Old Monroe has not approved this as a reliable partner site. Please be advised that you will no longer be subject to, or under the protection of, the privacy and security policies of Bank of Old Monroe’s website. We encourage you to read and evaluate the privacy and security policies of the site you are entering, which may be different than those of Bank of Old Monroe.

  • Third Party Site Disclaimer

    By accessing the noted link you will be leaving Bank of Old Monroe’s website and entering a website hosted by another party. Bank of Old Monroe has not approved this as a reliable partner site. Please be advised that you will no longer be subject to, or under the protection of, the privacy and security policies of Bank of Old Monroe’s website. We encourage you to read and evaluate the privacy and security policies of the site you are entering, which may be different than those of Bank of Old Monroe.