Online Banking

What to Do When Your Card Is Lost or Stolen

Call Guaranty State Bank & Trust Co. Customer Service immediately during business hours at 785-738-3501 or toll-free 888-738-8000.

After business hours, please contact our Transfund Fraud Protection Department at 888-263-3370.

Additional Measures to Take

  • Review the Checklist for Card Number or Expiration Date Changes.
  • Monitor your account for any unauthorized transactions and notify us immediately if any look suspicious
  • Remember: Guaranty State Bank & Trust Company provides Zero Fraud Liability1, which protects you from unauthorized use of your card. Contact us promptly to file a claim, or if you have any questions
  • Change passwords and update information with any online retailers where the lost or stolen card information is used or stored
  • Monitor your credit report for unusual activity. Free copies of your credit report can be accessed at

Tips for Card Safety

  • Get personal. Sign your card as soon as you receive it.
  • Trust your memory. Don’t write your Personal Identification Number (PIN) on your card. Memorize your PIN, or if necessary, store the number in a safe place, separate from your wallet or wherever you keep your card. If you select your PIN, select one that’s easy for you to remember, but difficult for someone else to guess. Don’t use your birthday, phone number, or social security number as your PIN.
  • Keep it secret. Never give your PIN number to another person, especially a stranger.
  • Be prepared. Make and store a record of your card numbers along with telephone numbers for reporting lost or stolen cards. If you lose it, report it. Call the Guaranty State Bank immediately if your card is lost or stolen. Your timely response can help protect your account. There is a $10.00 fee to replace lost or stolen cards.
  • Save the receipt. Save your sales receipt and review them against your account statement, making sure the information is correct. If you see a purchase you don’t recognize, contact The Guaranty State Bank immediately.
  • Keep a secret. Tear up and discard any sales slip copies you don’t need. Strangers can use your account numbers to make unauthorized purchases or counterfeit your card.
  • Too good to be true? Never give your card number to anyone or any organization to receive a “free” gift.

1Guaranty State Bank & Trust Company provides zero fraud liability for unauthorized transactions. Zero fraud liability does not apply to ATM transactions, to certain PIN transactions or certain commercial card transactions made with a business check card. Cardholder must notify Guaranty State Bank & Trust Company promptly of any unauthorized use. Certain conditions and limitations may apply.