Card Support

Emergency Numbers for Lost, Stolen, or Compromised Cards

• BankIowa VISA^® Debit Card - call 1-800-754-4128 for 24/7 service, or call 1-800-433-0285 during regular business hours
• BankIowa/UMB VISA^® Credit Card - call 1-800-821-5184 for 24/7 service

Lost phone? If your debit card was loaded in Apple Pay, Samsung Pay, or Google Pay please call 1-844-392-3685 to deactivate the token. You may continue to use your physical card if it is in your possession.

VISA^® Debit Card

• Available on Apple Pay, Samsung Pay, and Google Pay. Click here for more information.
• Easier than cash and checks – just use your VISA^® Debit Card when you are ready to pay. It works fast, so there’s no need to write checks or fumble for change.
• Gain peace of mind with Visa’s Zero Liability Policy which protects you from unauthorized purchases.
• Access cash at ATM’s worldwide. BankIowa is a member of the Privileged Status Program.
• No issue cost or annual fee.

If you need to replace your debit card, call us during normal business hours at (800) 433-0285 or stop by one of our walk-in branches to arrange for a replacement. There is a $15 replacement fee per card.

If you need to reset your PIN (you forgot the number or want to change it), call us during normal business hours at (800) 433-0285 or stop by one of our walk-in branches for assistance.

Debit Card Fraud

If you have received a text or phone message from the BankIowa Fraud Center regarding a fraudulent debit card transaction(s) , please reply YES or NO.  Call 1-855-961-1602 for 24/7 service, please be sure to reference your case# provided in the message. Or, call 800-433-0285 during regular business hours. To order a replacement card call 1-800-433-0285 during regular business hours.

If You Suspect Fraud Transactions on Your Debit Card

BankIowa utilizes an outside service to monitor bank-issued debit cards for potential fraud. Suspected fraudulent transactions trigger our vendor to restrict the card and attempt to validate the transaction(s) with you. The vendor utilizes text, email, and phone calls to contact you based on the contact information you have provided to BankIowa.

As the cardholder, you may respond to whichever form of notification was received, or you may contact the bank during normal business hours. Until communication is received from you, the debit card will remain in restricted status to protect your funds. Restricted status means the card will not work until you communicate with the bank or respond to the vendor notification received.

If you respond that the transaction is valid, the card will be changed back to active from restricted status. If you respond to the text, phone call or email that the transaction is unauthorized, the card will be deactivated immediately so that no other fraudulent attempts can be made on the card. Once a card is shutdown/deactivated, you will need to reach out to the bank to request a new card.   Additionally, you should review your account immediately to determine if any fraudulent activity hit your account.  To dispute any transactions and to order a new card, contact the bank at 800-433-0285.  If you are suspicious of a text, phone call or email received after bank hours, you may call (855) 961-1602 using the case number provided in the text, voicemail or email. 

Here is a sample of a legitimate suspected fraud text message:   Please respond only YES or NO

Other items to be aware of:

If a new debit card is issued to replace a card that had fraud/attempted fraud, please wait one business day after receipt to enroll the card into a mobile wallet.

Always monitor your account. Enrolling in BankIowa’s online or mobile banking will allow you to daily monitor all transactions on your account. Report any unknown transactions immediately to BankIowa.

Never give out your card PIN to anyone!

Enrolling your card in Mobile Wallets can provide more protection by offering card-free transactions. BankIowa supports the three most popular mobile wallets using Apple Pay®, Google Pay™, and Samsung Pay®.