Lost or stolen card?

If your ATM/ debit card is lost or stolen, call 888.300.3193 at any time, 24/7. Click here for more information about Privacy + Security including identity theft protection and what to look for regarding potential scams and fraud.

  • If you know your card number, use the automated system. If you don’t know your card number, a representative will be happy to help.
  • ​If you have additional questions, customer service representatives are also available Monday – Saturday from 8 am – 6 pm (EST) and Sunday from 10 am – 8 pm (EST).
  • You may also visit any Independent Bank branch office to report your missing card. Our banking associates will be happy to assist you. Click here to find the nearest location.

MasterCard's® Zero Liability Protection 

With Zero Liability, you won't be held you responsible for "unauthorized transactions." As a MasterCard cardholder, zero liability applies to your purchases made in the store, over the telephone, online, or via a mobile device. As a cardholder, you will not be held responsible for unauthorized transactions if:

  • You have used reasonable care in protecting your card from loss or theft; and
  • You have promptly reported to your financial institution when you knew that your MasterCard was lost or stolen.

Zero Liability does not apply to the following (or certain) MasterCard payment cards: Commercial cards, unregistered prepaid cards or gift cards.