Debit Card Fraud
Debit card fraud involves the unauthorized use of another person's card information to make purchases from their account or access their funds.
Card fraud occurs through a variety of channels, including online scams, data breaches and card or mail theft. Know how to defend yourself, and rest assured Lakestone Bank & Trust is continually monitoring for threats and suspicious activity through our Fraud Center.
Outside the United States
For your security, your card will not work outside the United States. If you plan on travelling outside the country, stop by any office and speak with a customer service representative. Your account can be activated for foreign use for your specified days of travel.
Lost or Stolen Debit Cards
If your debit card is lost or stolen, you should log in to Online Banking immediately, click on “Lost/Stolen Card,” and follow the instructions. Using your Lakestone Bank mobile app, under manage cards you can also select the card and click on "Lost/Stolen Card." You can also contact any of our offices to report a lost or stolen card.
Credit Card Fraud
Credit Card fraud involves the unauthorized use of another person's card information to make purchases from their account or access their funds. Card fraud occurs through a variety of channels, including online scams, data breaches and card or mail theft.
Please call The Independent BanksBank (TIB) anytime before traveling or attempting transactions that may appear unusual compared to your regular purchase patterns at 800.367.7576. TIB will make adjustment to fraud prevention strategies to allow approval of purchases that might otherwise be considered suspicious activity.
Lost or Stolen Credit Cards
If you have a missing credit card, report it immediately to The Independent BankersBank (TIB) 24-hour customer service number, 800.367.7576. This number is also printed on your monthly statements. TIB will cancel your card and send you a new one.
Unauthorized Charges on my Stolen Card
If your card is stolen, you're not liable for these charges. If you suspect your card has been stolen you should call TIB right away at 800.367.7576.