What to Do If Someone Knows My Debit Card Number

Debit card fraud is a going concern.
Debit card fraud is a going concern. (Image: Jupiterimages/Polka Dot/Getty Images)

Fraud continues to be a growing threat. Your personal information is at risk every time you put it out in the open. If someone has access to your information, such as your date of birth, banking information and even your debit card number, they can perform a number of illegal actions under your name. You must take appropriate action to stop the threat right away.

Report it Immediately

If an unauthorized person has access to your debit card information, report it immediately to your financial institution. A toll-free number should be available 24-hours a day for you to contact. These lines are specifically created for such circumstances. Once you report the loss, you are no longer responsible for unauthorized use.

Review Transactions

As soon as you realize an unauthorized person has your debit car number and you have contacted your financial institution, review your transactions. It is important to identify which transactions are not yours. If you report your loss within two business days, you are only responsible for $50 worth of unauthorized use. If you wait longer, you could be liable for up to $500.

Order New Card

Talk to your bank about getting a new card. You will likely need to visit your bank to get the new card and select a new personal identification number. It is recommended to select a new number. Some banks may mail you a new card.

Tips for Security

Follow a few simple proactive steps to ensure your debit card information doesn’t end up in the wrong hands. Be cautious about providing information over the phone or online. Ensure you are dealing with a reputable company, don’t allow your number to be easily visible by anyone, shred documents with your number printed on them, don’t write down your PIN, and regularly review your transactions to guard against unauthorized use.

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