Banking made easier!
Bank Midwest MasterCard® Debit Cards are available with most personal checking accounts.
Debit Card Fraud Protection
Debit cards are a fundamental part of living in today’s financial world. Balancing the convenience and ease of using them with keeping your money safe can be challenging.
Here are some of the ways we try to safeguard your debit card and account:
When Bank Midwest learns of recurring fraudulent activity, we have the ability to temporarily “block” transactions at certain types of businesses in the state or country where it’s reported. By blocking these transactions, we can help avoid unauthorized use of our customers’ debit cards.
For example: we may block the use of Bank Midwest debit cards at discount stores or gas stations in other states. We may do this when these blocks won’t affect the everyday lives of a majority of our customers.
TIP: If you experience a denied transaction knowing funds are available in your account, try using the PIN-code authorization which is considered more secure since a signature can easily be forged.
If you do not know your PIN code, you’ll need to bring your debit card to your local Bank Midwest branch for assistance in generating a new one.
We apologize for the inconvenience if you experience any of the blocks we’ve put in place in order to prevent unauthorized use of your debit card.
If you know you’ll be traveling out of the area, call your local branch or visit our website to complete a travel notification form. We can inform you of any blocks in place at the destination(s) you’ll be visiting.
Register for this text alert service so you can immediately be notified when your debit card is used for:
- Authorization amounts greater than $400
- Transactions where the card is not present or the card number is manually keyed
- International transactions
The number of alerts you may receive will be based on your card usage.
*Message and data rates may apply from your wireless carrier.
Fraud analysts monitor unusual activity on customer accounts. When a transaction occurs in a state or country that seems atypical, a call is typically placed to the cardholder to confirm the transaction is authorized.
Traveling out of the area? Call your local branch or submit a Travel Notification Form. We can inform you of any blocks in place at the destination(s) you’ll be visiting and avoid calling you if we know you’re traveling to a new part of the world!
Make sure we have your most current contact information on file including your cell phone and email address.
- Cell Phone: If our Fraud Center needs to contact you regarding a suspicious debit card transaction, they will try to reach you by phone before blocking questionable transactions.
- Email Address: When fraudulent activity directly affects Bank Midwest customers, we often use email to efficiently communicate with you to inform you of timely information.