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To report a lost or stolen debit card: 800-472-3272

Frequently Asked Questions

Debit Card

Debit Card Panel

Who do I contact if my card is lost, stolen or has been blocked?

  • Monday thru Friday, 8 a.m. to 4 p.m.: 
    Call 903-676-1900
  • After hours, weekends and holidays:
    • Call 800-472-3272 to report a lost or stolen debit card.
    • Call 800-262-2024 if your card has been blocked.

Who do I contact to reset my pin?

  • The card owner can have the pin reset at any of our branch locations during normal business hours.

Do I need to notify the bank when I travel? Yes, it is recommended that you notify the bank before you travel to prevent a fraud alert from being placed on your account.  An alert can be removed by contacting 1-800-472-3272.

Do I have a daily access limit on my debit card?   Each cardholder has access up to a $500 daily cash limit for ATM transactions and $1,500 for daily point of sale transactions.  The same withdrawal limits apply for both Saturday and Sunday transactions. Please be aware your available balance is subject to the date your transaction is processed by the merchant.

What is my credit card secure code, as requested for online purchases? For Visa, MasterCard, and Discover cards, the card code is the last 3 digit number located on the back of your card on or above your signature line.

What is the cost of a replacement card? A fee of $5.00 will be charged for each new card re-issued.

How do I get a new card? Contact a new account representative at any of our locations.



  • Make a record of card numbers, expiration dates and phone numbers.  Keep this record in a safe place, separate from where you keep your cards.  Use this information when you report your cards lost or stolen.
  • Never put your account number or PIN on the outside of an envelope or a postcard.
  • Write down the toll-free emergency numbers and keep it with you, but separate from your card.
  • Don't give your debit or credit card number over the phone unless you've made the call.
  • Don't sign a blank charge slip unless absolutely necessary.
  • Tear up carbons from slips and save receipts
  • Always check receipts against your monthly statements.  Report any errors within 60 days of the statement mailing date.
  • Carry only the cards you need, especially when traveling.
  • Memorize your PIN and don't write it on anything in your wallet.
  • Check all ATM receipts against bank statements.

ATTENTION - Your MasterCard card will have new benefits.  Effective 14 July 2014, benefits will include Identity Theft Resolution Services.  To learn more about this valuable benefit, please call 1-800-MC-ASSIST (1-800-622-7747).  To request a printed Guide to Benefits, call 903-676-1900.  You can also visit for a full description of the new benefits and how to use them.