Help Center: Security Center

Report Fraud

It’s frightening to lose your wallet. Or discover that someone has used your information for a fraudulent purpose. Sometimes an identity thief can strike even if you’ve been very careful about keeping your personal information to yourself.

Bank Midwest will never ask for your username or password. If someone calls asking for log in information, hang up and call us back to be sure you’re talking to a real bank employee.
Do not respond to any email, text or phone requests for this sensitive information, from us or from anyone else.

If you find that fraud may have or already has happened – don’t panic. Take action immediately and know that help is available.

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  • Identity Theft Icon

    Report a Lost Card

    Bank Midwest Debit Card

    Bank Midwest Customer Support

    Mon. – Fri. 8 a.m. to 6 p.m. CT
    Saturday 8 a.m. – Noon

    After Hours: Call FIS Global at 833.933.1681. International cardholders should call 727.227.2447.

    Turn your debit card off or on.

    Mobile App Icon 150x150Temporarily suspend your debit card with our Mobile Banking app. If you temporarily misplace your card or find a questionable transaction, turn your card off. Once you find your card or solve a transaction mystery, turn your card on again.

    Elan Credit Cards

    Call Elan Financial Services to report a lost or stolen credit card.

    • Consumer credit cardholders: 800.558.3424
    • Business credit cardholders: 866.552.8855


    Gift or Prepaid Cards

    Customer Service at these issuers will assist with your gift or travel card if lost or stolen.

    • Metabank Gift Cards: 866.496.6183
    • Metabank Travel Cards: 866.261.7741
    • Transcard Gift Cards: 800.416.6373

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  • Online Deposit Clock Icon

    Report a Lost or Stolen Checkbook

    Please contact us immediately if your checkbook has been lost or stolen.

    Bank Midwest Customer Support
    Mon. – Fri. 8 a.m. to 6 p.m. CT
    Saturday 8 a.m. – Noon

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    Report Fraudulent Account Activity

    If you see suspicious transactions on your account, be sure to let us know as soon as possible.

    Bank Midwest Customer Support

    Mon. – Fri. 8 a.m. to 6 p.m. CT
    Saturday 8 a.m. – Noon

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  • Icon Phishing

    Identity Theft

    Steps To Take If Your Identity Has Been Stolen

    1. Freeze any of your compromised accounts.

    If you discovered the fraud by way of suspicious banking activity or charges to a line of credit, the first course of action is to keep your money safe and freeze the affected accounts.

    2. Place a Fraud Alert on your credit reports and review the reports carefully.

    You can do this by contacting any one of the three nationwide consumer reporting companies; whichever bureau you call will inform the others. Use the toll-free numbers below to activate an initial one-year fraud alert which tells creditors to contact you before opening any new accounts or changing existing accounts.

    • Equifax: 800.525.6285
    • Experian: 888.EXPERIAN (888.397.3742)
    • TransUnion: 800.680.7289

    When you place a fraud alert, you can also order free copies of your credit report. Review your report for inquiries from companies you haven’t contacted, accounts you didn’t open, and debts on your accounts that you can’t explain.

    3. Close the accounts by calling the security or fraud departments of each company where you know or believe an account has been fraudulently accessed or opened.  Open new accounts obtaining new PINs and passwords. Secure new usernames, passwords, PINs, etc. from credit card companies, phone and utility companies, banks and other financial institutions.

    – Be sure to follow up in writing with copies of supporting documents.
    – Use the Federal Trade Commission’s ID Theft Affidavit to support your written statement.
    – Ask for verification that the account has been closed and the fraudulent debts discharged.
    – Be sure to keep copies of documents and records of your conversations about the theft.

    4. File a report with your local police – or the police where the identity theft took place. Make sure to get and keep a copy of the report in case your creditors need proof of the crime.

    5. Report the theft to the Federal Trade Commission. You can do this online at or by phone — 877.438.4338. It’s an important step that will give you access to the Affidavit, forms and other documentation you may need as evidence to close fraudulent accounts and begin the recovery process.

    NOTE: If you’re the victim of tax-related identity theft, report it to the IRS online, using the FTC’s website to file IRS Form 14039. In addition to filing the Affidavit, you’ll still need to pay any taxes owed.

    6. Finally, consider placing an extended fraud alert or credit freeze. An extended fraud alert on your credit report lasts for seven years. It can be initiated through any one of the three credit bureaus (listed in bullet point #2). A credit freeze means that no one can access your credit report.

    additional Resources

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