Reporting Lost or Stolen Debit Cards

Please report lost or stolen debit cards immediately.

During Business Hours

You may report a lost or stolen card to a Third Coast Bank SSB representative by calling one of our branch locations listed below:

Humble Branch	(281) 446-7000
Beaumont Branch	(409) 861-2700

Nights and Weekends

Call our Hot Card Center to report a lost or stolen card at (866) 546-8273.

Online

Log into your online banking account and follow the following steps to report a card lost or stolen:

• Click the Options Tab
• Click ATM/Debit Card
• Choose the appropriate card you wish to report by clicking the lost/stolen box to the right of the card information

When your account was opened with us, we provided you with an “Electronic Funds Transfer, Your Rights and Responsibilities Disclosure.” An excerpt from the disclosure shown below covers the specific details about your liabilities on unauthorized transfers. This is not the full disclosure, only a portion detailing individual consumer liabilities. If you wish to obtain a copy of the full disclosure please contact a Bank representative at one of our branch offices.

Unauthorized Transfers

Consumer Liability

Tell us at once if you believe your card and/or code has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account. If you tell us within 2 business days after you learn of the loss or theft of your card and/or code, you can lose no more than $50 if someone used your card and/or code without your permission. Also, if you do NOT tell us within 2 business days after you learn of the loss or theft of your card and/or code, and we can prove we could have stopped someone from using your card and/or code without your permission if you had told us, you could lose as much as $500. Also, if your statement shows transfers that you did not make, including those made by card, code or other means, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time.

If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time period.

Visa® Card Debit

Additional limits on Liability for $50. Unless you have been grossly negligent or have engaged in fraud, you will not be liable for any unauthorized transactions using your lost or stolen Visa card. This additional limit on liability does not apply to ATM transactions or to transactions using your Personal Identification Number which are not processed by Visa. Visa is a registered trademark of Visa International Service Association.