How to Report a Lost or Stolen Card, Identity Theft or Fraud

If you have lost your debit or credit card, or suspect identity theft or fraud on any of your Merchants Bank accounts, please contact us as soon as possible. You can:

  • Stop in to your local branch.
  • During business hours, call the Customer Service Representative at your local Merchants Bank.
  • Debit Card - After hours, call (833) 414-0548.
  • Credit Card - After hours, call (800) 325-3678.

What is the difference between identity theft and fraud?

Identity theft is when someone uses your personal information without your permission. Learn how to protect your identity with these Security and Alert tips .

Bank or credit card fraud is when an account is opened fraudulently in your name and unauthorized charges are made. Learn how Merchants Bank protects you from fraud.

What are other common types of fraud?

  • Unauthorized phone services - New mobile phone service is established in a victim’s name.
  • Bank fraud - A new bank account is opened in a victim’s name, fraudulent checks are written or unauthorized withdrawals are made from an account.
  • Fraudulent loans - Personal, business, auto or real estate loans are obtained in a victim’s name.
  • Government documents or benefits fraud - Access to a victim’s government documents, such as his/her driver’s license or Social Security number; tax return is filed frequently or government benefits are obtain through fraudulent means.

Do you think you’ve been a victim of identity theft?

Here are your next steps: 

  • Contact the fraud departments of each of the three major credit bureaus (listed below) and request:
    • A fraud alert be placed on your file
    • No new credit be granted without your approval


To report fraud, call: (800) 525-6285 or write: P.O. Box 740241, Atlanta, GA 30374-0241

To report fraud, call: (888) EXPERIAN (397-3742) or write: P.O. Box 9532, Allen, TX 75013

Trans Union:
To report fraud, call: (800) 680-7289 or write: Fraud Victim Assistance Division, P.O. Box 6790, Fullerton, CA 92834

  • Close any accounts that have been fraudulently accessed or opened. 
  • File a local police report and get a copy of the report to your bank, credit card company or others that may need proof of the crime. 

The Federal Trade Commission (FTC) is the federal clearinghouse for complaints by victims of identity theft. Although the FTC does not have the authority to bring criminal cases, it can assist victims. You can file a complaint with the FTC by visiting their website or calling toll-free (877) ID-THEFT (438-4338).

Identity Theft Protection 

We offer Deluxe Provent® Identity Theft Protection as an optional benefit available to any checking account customer. Provent® starts with a powerful, cost-effective solution — ID Protect. For a low monthly fee, ID Protect includes:

  • ID Restoration: A certified Resolution Specialist will be assigned to manage your fraud or identity theft case. So whether you lose your wallet or your identity, simply call for assistance. Plus, 24/7 secure access to your personal and credit information.
  • Internet Monitoring: Ongoing monitoring to identify any known risks associated with up to 14 different consumer identity elements, such as credit card information.

Deluxe Provent® also offers additional services that address the entire spectrum of identity theft, allowing you to choose the identity theft protection services right for you. Ultimately, you choose the identity theft protection services that are right for you from the myriad of options available. To get started, enroll online .