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As an important reminder, we will never call and ask for passwords, login credentials, or other personal information. Never give this information to anyone via phone, email, or text message; instead, hang up and contact us immediately.

How to Report Fraud

Lost or Stolen Debit Card?

Is your debit card missing? Let's help you take care of it.

During Business Hours

Contact Customer Care at 1-855-696-4352

Customer Care Center Hours (CST)
Monday - Friday 7:00 am - 9:00 pm
Saturday 9:00 am - 5:00 pm
Closed Sunday and federal banking holidays

 

After Business Hours

Call 1-855-696-4352. Press 2 to follow the prompts for Debit Card Assistance.

MyCardRules
Utilize MyCardRules to turn off your debit card. Download the App.

Online Banking Fraud?

Your bank will never ask you for your online banking credentials, like a password. Never share your credentials.

If you've experienced this fraud or attempted fraud, contact Customer Care at 1-855-696-4352 or stop by your local branch during business hours.

Check Fraud?

Check fraud is the illegal use of checks to deceive or steal money from an account. It typically involves forging, altering, or creating fake checks to withdraw funds from someone else’s bank account without their permission.

If you've experienced this, contact Customer Care at 1-855-696-4352 or stop by your local branch during business hours.

Security

We encourage you to increase your level of protection online. In today's connected world, being diligent is important.

Learn More

Identity Theft

If you know, or even think, you've been a victim of identity theft, take immediate action and follow these four steps. You can also learn more from the Federal Trade Commission (FTC).

1. Report the Fraudulent Activity to Your Bank

If the activity is related to our financial institution, please contact us directly at 1-855-696-4352. If it is related to another financial institution, your credit card company, or any other organization, contact them directly.

If you believe you have received a phishing email posing as Midland States Bank, please call 1-855-696-4352.

2. Alert a Consumer Reporting Company

Contact one of the three consumer reporting companies and have a fraud alert placed on your credit report. This will help stop fraudsters from opening any additional accounts in your name. You only need to contact one of the following because they are required to contact the other two:

3. Close Impacted Accounts
Close any accounts that you know - or even think – might have been tampered with or opened fraudulently. Report the transaction to a security spokesperson at the relevant company. Ask them about any additional steps – they'll probably ask you to send relevant copies of the fraudulent activity.
4. File a Complaint with the FTC

File your complaint with the Federal Trade Commission (FTC). Sharing your identity theft complaint with the FTC will help law enforcement officials track down and stop identity thieves.

You can: 

  • use the online complaint form, or
  • call the FTC's Identity Toll-Free Theft Hotline 1-877-ID-THEFT (438-4338), or 
  • write to Identity Theft Clearinghouse, Federal Trade Commission, 600 Pennsylvania Avenue, NW, Washington, DC 20580


Fraud Prevention

It's not always easy to identify online fraud. Spotting online fraud can be tricky, but understanding how it happens helps keep you safe.

Protect Your Email

Email is often used to spread malware or commit fraud. Develop good habits to safeguard your identity. Watch out for phishing scams, where criminals pose as trusted companies to steal passwords or financial info.

Phone Fraud

Be cautious if someone claiming to be your card issuer asks for sensitive information. Always verify by hanging up and calling the number on your card.

Report any suspicious calls to your card issuer’s fraud team.

Protect Your Cards

Keep your credit, debit, and ATM cards safe by following a few simple guidelines.

Commercial Account Takeover Fraud

Cyber thieves can steal your banking credentials and take over your commercial account. Stay vigilant.

Fraud Tactics

Fraudsters have one goal: to steal your personal and financial information. From digging through discarded mail to sending fake emails posing as trusted sources, fraud can take many forms.

Learn More

Frequently Asked Questions

What do I do if something looks suspicious in my transaction history?

If you notice any suspicious activity or think you’ve been a victim of fraud, we’re here to support you. Taking quick action can prevent further harm. Here's how you can report it:

  • Call us immediately: Contact us at 1-855-696-4352. We can help you block unauthorized activity and secure your account.
  • Visit a branch: Prefer to speak in person? Stop by your nearest branch, and we’ll be ready to help.

Someone from the bank is pressuring me to provide personal account and password information quickly in a threatening way. Is that true?

At Midland, we’d never ask you to do that. Never share your online banking credentials or personal information. Never give this information to anyone via phone, email, or text message; instead, hang up and contact us immediately.

How do I know if a transaction is fraudulent?

If you don’t recognize a charge, check for details like the vendor name and location. If it still doesn’t look right, reach out to us immediately.

How does Midland keep my information safe?

Managing fraud and protecting your information are top priorities at Midland. Providing resources toward ensuring our customers take proper precautions to protect against fraud are part of our customer commitment. 

We use advanced encryption and security protocols to protect your personal and financial data, along with constant monitoring for suspicious activity. You can see this through our Enhanced Login Security. This security service is free, easy, and most importantly, gives you extra protection from fraud and identity theft.

Enhanced Login Security significantly increases your level of protection online. Not only will your password and user ID be recognized, but your computer will be recognized as well. If we don't recognize your computer - you've logged in from a public computer or one you haven't used before - you will be prompted to provide information that only you will know. This step acts as an additional line of defense against unauthorized access to your accounts.

Learn more about security tactics.

How can I protect my online information?

In today’s connected world, staying safe is important to everyone. Consider these tips to protect your personal and financial information:

  1. Use Strong Passwords: Mix upper and lowercase letters, numbers, and symbols for a password that’s tough to crack. Avoid using easily guessable info like birthdays.
  2. Enable Two-Factor Authentication: Double up your security by adding an extra layer of protection to your account login on applicable apps or websites.
  3. Stay Cautious of Phishing: If an email or message seems suspicious, don’t click links or share personal info. We’ll never ask for sensitive information via email.
  4. Keep Software Updated: Regular updates to your apps, operating systems, and antivirus software keep your devices protected from vulnerabilities.
  5. Use Secure Networks: Avoid logging into banking services on public Wi-Fi. Use your mobile data or a secure connection whenever possible.

Prefer Personal Assistance?

Our team of dedicated professionals are here to support you.