Lost or stolen bank card: what to do first (the United States)

First: tell your bank or card provider

Call your bank, credit union, or card issuer as soon as you can. You can also report the loss using their mobile app instead. The sooner you report a missing or stolen card, the less money you may have to pay if someone used it before you reported it. For a debit or ATM card, what you owe for unauthorized use depends on when you report the loss to your bank. For a credit card, report it to the issuer immediately.

• Report the loss or theft as soon as possible.

If the bank's app or website will not load

If you cannot reach the bank's website or app, check the service status page on this site. The page shows whether other people are reporting the same problem right now. It also shows what happened when our system tested the bank's official website and links to the bank's official status page if one exists. Our report count comes from visitors like you and is not official confirmation.

If the bank appears to be down, visit its official status page if available, or check its official help and contact pages. If the online channels are not working, call the phone number on the back of your card.

Who can confirm a problem, and how to reach the bank

Your bank's official status page, if it publishes one, is the true source about service problems. The report count on this site is unofficial; it comes from visitor reports, not from the bank itself.

To contact your bank, use the official help and contact pages linked on the service page. You can also call the number on the back of your card.

Report the fraud

The CFPB's complaint page also suggests telling your local police or sheriff's office about a scam.

The FTC takes reports of scammers at ReportFraud.ftc.gov.

• Report the fraud to your local police and to the FTC.