How Do You Get a Lost Debit Card Replaced Fast?

A lost debit card can be inconvenient.

A lost debit card can cause frustration and a headache. Many retailers no longer accept paper checks, so if your debit card is your only source of paying for items, misplacing it can put you in a bind. Replacing your debit card is easy; nevertheless, sometimes the wait for a new card can take a week or longer as it is issued by your financial institution's headquarters. If you need your new debit card fast, it's possible to expedite the process.

Instructions

1. 

   Call your bank when you realize your card is lost.

   Call your financial institution. The Federal Trade Commission recommends that you call your bank as soon as possible after realizing your debit card is missing. Contact your bank's toll-free number and follow the automated prompts to speak to the department that handles lost cards. The lost or stolen card department is usually open at all hours.

2. 

   Inform the representative of your lost card.

   Speak to a customer service representative. Tell him that you have lost your debit card and you need to cancel it. Verify your personal information, which may include the last digits of your social security number or any passwords that are on your account.

3. 

   You may be required to sign for your new card so verify the delivery method.

   Request a new debit card. The customer service representative will inform you of the time it takes to receive the replacement card. Ask her about overnight or expedited delivery. Financial institutions charge a fee for replacing cards fast. If you don't have sufficient funds in your checking or savings account to cover the amount, you must add money. Give the associate a good address to ensure your card is delivered. Verify if you will need to be home to sign for it.

Tips & Warnings

• Before you call your bank to order a replacement debit card, make sure you double check common areas such as under your car seats and your pockets. If you find the card after you cancel it, you can't reactivate it.

References

• Federal Trade Commission: Lost or Stolen Debit Cards