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Lost or Stolen Card

If your ATM/debit card is lost or stolen, notify us immediately by calling our Personal Customer Service Department Toll free at (866) 546-8273.

Cardholder's Requirements:
    
(1) The call center must be able to identify the Financial Institution, therefore, one of the following must be provided:

  • First six digits of their card
  • Bank Headquarters information
    Bank of North Carolina
    831 Julian Ave
    Thomasville, NC 27360
  • Financial Institution's ABA (routing and transit) Number - 053112039

(2) The call center must be able to identify the Cardholder Information, therefore all of the following information is required:

  • Name on the card, exactly as it is embossed on the plastic.
  • Full address of the card owner.
  • Daytime phone number.
  • Reason the card needs the status changed to "Hot".

(3) The cardholder should provide (if available):

  • Last 4 digits of the card number for verification purposes - This can be obtained from a receipt or bank statement.

ATM Locations

ATM/Debit Card Informational Safety Tips
As with all financial transactions, please exercise discretion when using an ATM. For your own safety, be careful. The following suggestions may be helpful:

  • Record each transaction in your account record, but not while at the ATM.
  • Always save your receipts. Do not leave them at the ATM because they may contain important account information.
  • Compare your records with the account statements you receive.
  • Do not lend your ATM/debit card to anyone.
  • Do not leave your card at the ATM.
  • Protect your ATM/debit card as if it were cash.
  • Protect the secrecy of your Personal Identification Number (PIN).
    • Do not tell anyone your PIN.
    • Do not give anyone information regarding your ATM/debit card or provide your PIN over the telephone. A Bank of North Carolina representative would NEVER call and ask you for this information.
    • Do not keep your PIN with your card. For example, do not keep a record of your PIN in your wallet or purse.
  • If your ATM/debit card is lost or stolen, notify us immediately. If the Bank is closed, call 24-hours a day at (866) 546-8273
  • When you use an ATM, be mindful of your surroundings.


Tips to Avoiding ATM Surcharges

  • Use your bank's ATM as most banks don't charge their own customers a surcharge.
  • Use the "cash back" feature available at many grocery stores, convenience stores, and discount stores when making a purchase.
  • Withdraw more cash during each ATM visit but visit ATMs less often.
  • Use your debit card rather than cash when possible.

What is an ATM Surcharge?
An ATM surcharge is an ATM transaction fee that is imposed by the owner of the ATM. The owner of the ATM may be your bank, another bank, and even a non-bank business. An ATM surcharge may be imposed in addition to any transaction fees charged by your bank. Bank of North Carolina does not assess ATM transaction fees or ATM surcharge fees to its customers.

How do I avoid ATM surcharges?

  • Use Bank of North Carolina's ATM machines.
  • Use the "cash back" feature available at many grocery stores, convenience stores, and discount stores when making a purchase.
  • Withdraw more cash during each ATM visit but visit the ATMs less often.
  • Use your debit card rather than cash when possible.
  • Ask for cash back when making a deposit with a teller.

How will I know how much an ATM will charge me?
There will be a sign posted on the ATM itself stating if any charge will apply. Once you have inserted your card and entered your PIN, a notice of any charge must appear, giving you the option of canceling the transaction without being accessed a fee.

How do I know which financial institution owns the ATM?
There is a sign posted on the ATM stating the name of the financial institution.

Does Bank of North Carolina charge me for using an ATM machine not owned by Bank of North Carolina?
No, but the owner of the ATM may charge you.

Will I be charged if I use my card to make a purchase at a merchant and ask for cash back?
Generally, no. However, a small number of businesses have started charging a "cash back" fee.

If I am a Bank of North Carolina customer and use another bank's debit, credit or ATM card at a Bank of North Carolina ATM, will I be assessed a surcharge fee?
Yes. Only Bank of North Carolina ATM and debit cards can be used at a Bank of North Carolina ATM without being charged a surcharge fee.

Does Bank of North Carolina assess a surcharge for balance inquiries, deposits, or transfers?
No, only cash withdrawals are subject to an ATM surcharge.

Report a Lost/Stolen Card
You should notify Bank of North Carolina immediately if your card is lost or stolen. If the Bank is closed, call toll free at (866) 546-8273 to report a lost or stolen card.

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