Lost, Stolen, Fraud: Debit and Credit Cards
LOST or STOLEN
To report a lost or stolen card call 360-943-0740
If your card has been lost or stolen, it’s important to contact us as soon as possible. We will put a stop on the card, then review unauthorized transactions and work to resolve them. In many cases we can replace your card within three business days. If you believe you may have just temporarily misplaced it, you can turn off your card within mobile banking to protect your account while you look between the couch cushions. Once you find it, you can easily turn your card back on in the mobile app as well.
Lock or Unlock Your Visa® Cards
If your card is misplaced or stolen, it's smart to use Card Management to use online banking or the mobile app to temporarily lock your card. Once you find it, unlock it. Pretty nifty when your card’s in the washer again?
Card Management allows you to block and unblock transactions on your Visa Credit Card or Visa Debit Card at any time, offering you additional security at your fingertips. When a card is blocked, no transactions are allowed, including purchases, cash advances, and even payments. Alternately, an unblocked card allows all transactions. Card Management is conveniently located within both the Mobile App and Online Banking, so you aren’t required to download a separate app to manage your Visa cards.
The wait is over. Debit cards can now be printed instantly at any one of our 7 branches. LEARN MORE
To report credit or debit card fraud call 360-943-0740
If you notice suspicious activity on your credit or debit card contact O Bee as soon as possible. We will work with you to review the account and determine if someone has tried to compromise your account.
If O Bee discovers unauthorized card activity you may get a call from our fraud detection system that will request you call us to verify recent activity.
How Does Fraud Happen?
Fraud happens in any number of ways. Common tactics include:
- Sorting through trash to find discarded billing statements to steal the account information for unauthorized purchases.
- Security breaches through major retailers or banks. Hackers break into computer records and steal card information.
- Phishing. This occurs online or even at home through the phone. Thieves send unsolicited emails with “hooks” to get you to open a link which can lead to lost data. Or maybe you get a call offering a free trip. To be eligible, you unknowingly give information which compromises your account security.
How to Prevent Fraud
Unfortunately, credit and debit card fraud occurs every day across the country. It’s not always possible for you to prevent it, but you can create some barriers to make it tougher for someone to get a hold of your cards and card numbers. Here are some simple steps you can take to avoid becoming a victim of this growing crime.
Review your accounts online
- People who monitor their financial accounts and transactions online lose significantly less per fraud incident than those who rely on paper statements.
- People who use the internet to check their bank and credit card accounts have an average loss of $551 per incident, according to one survey. Those who wait for paper statements to arrive averaged $4,543 in losses – more than eight times as high.
- Electronic statements are an effective way to prevent mail fraud. Mail theft occurs any time of the year, but most frequently from January to March when your annual statements and tax documents are arriving.
Protect paper documents
- Shred confidential documents and credit offers before discarding.
- Receive your financial statements online instead of in the mail.
- Review account statements promptly.
- Use secure mailboxes to send and receive mail.
- When you complete an application for a merchant discount card or similar item, ask what security measures are in place to protect your personal information and how your application will be disposed of when it is no longer needed.
Protect yourself online and on the telephone
- Use caution when asked for personal information over the internet. Don’t provide personal information by phone unless you initiated the call.
- Be aware of current scam tactics such as phishing and spoofing.
- Use firewall protection on your computer.
- Download Windows updates.
- Install antivirus and anti-spyware programs on your computer.
Review your credit reports annually
- The FACT Act allows you to receive a free credit report every year from each of the three major credit reporting agencies.
- Order your free annual credit reports at