Okie Life

So you misplaced your debit or credit card. Or maybe your wallet was stolen. First things first, don’t panic.

Timing is everything here. Acting quickly can help protect your account and stop unauthorized activity before it goes further.

‼️Signs Your Card May Be Compromised

Not sure if someone has your card information? Here are some signs your card may be compromised:

• Transactions you don’t recognize
• Charges from unfamiliar locations
• Multiple small “test” charges
• Alerts for purchases you didn’t make
• Your card suddenly stops working

Even small suspicious charges are worth paying attention to.

🔒How To Lock Or Control Your Card

If you think your card has been compromised, your first move is to lock it while you investigate.

With the OKCU Digital Banking App, you can turn your card on or off with a couple of taps. Locking it prevents unauthorized purchases and gives you time to review your account activity.

📱Who To Contact And Why Timing Matters

Once your card is locked, contact your financial institution right away.

Reporting quickly reduces the risk of further fraud and gets you to the next steps faster. Your financial institution will walk you through everything.

🕵️What Happens After You Report A Lost Or Stolen Card

After reporting your card lost or stolen, your financial institution will deactivate the card and send you a replacement.

Any suspicious charges on your account may also be reviewed, and your financial institution can help you dispute them if needed.

✅ You've Got This

Losing a card or noticing suspicious activity is stressful, but most situations can be resolved quickly when reported early.

Regularly reviewing your account and paying attention to alerts means you'll catch anything before it gets worse. A little awareness goes a long way.

For more information on protecting your account and recognizing suspicious activity, check out our fraud basics blog.