When you don’t know where your debit card is, lock it while you look for it—right from your phone or computer. Still can’t find it? Then cancel it.
Lock your debit card by logging in to digital banking or the mobile app, selecting My debit cards and moving your setting to locked. Easily unlock your card when you find it by moving your setting back to unlocked.
If you have any problems locking or unlocking your card, please call the number above for help.
What happens when your debit card is locked?
These transactions will be declined:
New transactions made at ATMs, in store, online, by mobile payment or by phone will be declined. For example, if you try to make a purchase while your debit card is locked, it will appear as “declined” at the register. You will be unable to add your debit card to mobile wallets or to payment profiles with online merchants.
These transactions will still process:
Pending (processing) transactions will process, as will payments that don’t use your debit card, such as recurring bill payments, checks, returns and miscellaneous credits.
Money will still go into your account.
For example, you’ll still get your direct deposits and money back if you make a return at a store. Also, money will still go into your account if someone pays you using a money transfer app.
You can’t access ATMs.
You cannot make any transactions at an ATM, including withdrawing cash, checking your balance or making deposits.
Your joint account holder’s card remains active.
If you’re an account holder on a joint account, locking your card doesn’t affect your joint account holder’s debit card. You need to log into your own digital banking account to lock your card.
This feature is not an overdraft prevention tool.
Locking your card won’t affect pending transactions, electronic payments you’ve set up with a biller, automatic transfers, checks you’ve written and other transactions from your account that don’t use your debit card. If any of these payments exceed your available balance, you may still face a returned item NSF or overdraft fee, depending on your overdraft election.
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For personal accounts, TCF provides zero fraud liability for unauthorized use of your card. Cardholder must notify TCF Bank of any unauthorized use no later than 60 days after we sent you the first statement on which the unauthorized use appeared. Certain conditions and limitations may apply.