Securing Your Finances and Identity—Steps To Take if Your Chase Debit Card Is Stolen
JPMorgan Chase® dates back to over 200 years ago, currently managing over $2.6 trillion in client assets. It’s one of the longest-standing financial institutions in the U.S. and is trusted by more than 60 million U.S. households and 5 million small businesses.
Despite Chase being an overall reputable card issuer, its users are not exempt from card fraud and other forms of crime. Debit cards can be lost, stolen, and misused if the cardholder isn’t careful. The numbers can also be obtained by fraudsters online using numerous card-not-present fraud methods.
While it’s best to prevent having your Chase debit card lost or stolen, it’s also crucial to know what to do if it happens to you. This article aims to educate on:
- How to act if your Chase debit card is stolen or lost
- What you should do with your digital wallet to mitigate the consequences
- What you should do if the device linked to your Chase debit card is lost or stolen
- What precautions Chase takes to prevent payment card fraud and minimize the damage
How To Deal With a Lost or Stolen Debit Card From Chase
If you can’t find your Chase debit card, you can lock it immediately within your Chase Mobile® banking app. The following steps explain how to do so:
- Sign in.
- Choose the account you want to lock.
- Click on the horizontal ellipsis to open the menu.
- Go to Account services.
- Choose Lock and unlock your card.
- Drag the toggle switch to change the card’s status.
You can still use the locked card for transactions via your digital wallet, and locking the card also won’t halt recurring payments. If you find your debit card, you can activate it again the same way you locked it.
Chase also gives you the option to change the PIN of your debit card to ensure a potential thief can’t use it. To do so, you should get in touch with Chase’s customer support.
Replacing the Card
If you believe that your card is gone for good, you can order a replacement through the app, like so:
- Log into the Chase app.
- Tap the account of the debit card you want to replace.
- Find the Replace a lost or damaged card option.
- Choose the debit card to replace.
- Provide the reason for replacement.
- Review and submit the request.
You can also request a replacement card via the Chase online banking platform—Chase Online℠. The new card should arrive within five to seven days. In case it doesn’t, follow the same steps as when ordering a replacement and select the option Didn’t receive card as the reason, then follow the on-screen instructions.
You may be able to access the new card quickly after your application is approved, thanks to the Chase Spend Instantly feature. You can add the card to a digital wallet within the Chase Mobile app while waiting for the physical version to arrive.
Dealing With an Unauthorized Charge
In case you notice an unauthorized charge on your Chase debit card, regardless of whether your debit card was physically stolen or not, you should report it to Chase immediately by dialing 1-800-935-9935. The bank’s customer support doesn’t operate 24/7, so make sure to call during business hours:
- Monday to Friday—8 AM to midnight ET
- Saturday—9 AM to 6 PM ET
- Sunday—9 AM to 6 PM ET
After reporting the charge, Chase will likely deactivate the compromised card and issue a new one.
Before you report the charge, you should confirm that it was fraudulent. Review the details of the transaction in question within your account, particularly the:
- Location of the transaction
- Time and date of the transaction
- Merchant’s name and whether you purchased from said merchant before
Keep in mind that some merchants use different names or addresses for billing purposes.
You should also try to remember if you’ve let people you know use your debit card. If so, issuers and merchants may consider your report friendly fraud and will likely deny it or may even suspend your account. It’s also important to lock the debit card immediately after noticing a suspicious transaction to prevent further charges.
Chase has a Zero-Liability Protection policy, which implies that you’re not responsible for unauthorized charges on your Chase debit card if you report them promptly. The policy doesn’t apply to unapproved purchases made by an authorized user. Your finances may also be protected by the Electronic Fund Transfer Act, depending on when you report the unauthorized charge.
What To Do With Your Digital Wallet if Your Debit Card Is Lost or Stolen
When you lock your misplaced debit card, you can keep using it with your digital wallet, such as Apple Pay®, Google Pay™, and PayPal®. Once you get a replacement, the new card might be automatically associated with your device’s Digital Account Number, which means you can continue using the digital wallet as usual. If not, you can connect the new card to the wallet the same way you did the previous one.
What To Do if the Device Connected To Your Chase Debit Card Is Lost or Stolen
If the iOS mobile device connected to your Chase debit card goes missing, you can suspend Apple Pay on it by turning on Lost Mode within the Find My iPhone app or on the iCloud website. You can also remove all cards from your Apple Pay remotely, even if the device is offline. If you’re a Google Pay user, you can suspend the digital wallet service on your lost or stolen device within the Find My Device app.
Chase can also help remove all cards from your digital wallet in case you misplace your mobile device.
Chase Debit Card Protection Measures
Chase has numerous protocols to fortify the security of your financial information. You can learn about some of them in the table below: