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Lost Your ATM or Debit Card?

Call the bank immediately!
231-995-5500 or 877-879-8272

This is our general switchboard number. As soon as we have your information, we are able to put a “hot card status” on your card that will limit its use by others.

If you happen to call after business hours, you will be prompted by a voice mail that will automatically connect you to our after-hours service to report your loss. You can also call card services directly at 1-800-554-8969.

What will happen next?

Please contact a branch to get a new ATM or Debit card.

How long will the new card take?

Generally, your card will arrive in 8 to 10 days.

Can I still use my old PIN number?

Once you receive your new card, call 1-800-567-3451 to activate your new card and choose the PIN. It can be the same as your old PIN number if you wish. This number may be used anytime you like to change your PIN. 

What if I find my card after I report it lost?

For everyone’s protection, the process is not reversible. We understand mistakes will happen, so please don’t fret if you report your card lost and later find it. Cut it up and throw it away. Better to err on the safe side!

Guidelines for use of ATM and Debit Cards

  • Never write your PIN number on your card
  • Never give your PIN number to anyone for any reason, not even family members who may share your account
  • Regularly check your bank statement for strange withdrawals, and contact the bank immediately if you notice something suspicious
  • Be wary of strangers or “good Samaritans” who offer to “help” you, particularly when an ATM “eats” your card. They could be trying to obtain your card and PIN
  • If an ATM looks suspicious – for instance, if it has a discolored card reader or an unresponsive keypad – use another machine


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333 W. Grandview Pkwy
Traverse City, MI  49684
(231) 995-5500

Routing Number:  072413997

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