ATM/Debit Card Security


At First Capital Bank, we use the industry leading service, EnFact, to monitor and protect you from fraud. Should your debit card be used in a manner that is not consistent with your typical behavior, you may get a call from an EnFact team member to ensure a charge is correct.


If you suspect a fraudulent transaction on your ATM/Debit card or your card is lost or stolen:

Please call 804.273.1250  (during business hours)  or 1.800.472.3272 (24 hours/7 days a week). 

If you plan on using your debit card while traveling outside the United States:

Please call us at 804.273.1250 (during business hours) prior to travel.

If we are notified that your card has been included in a breach, we will take the following steps to help protect your account(s):

  • We will cancel your ATM/Debit Card
  • We will attempt to notify you
  • We will issue you a replacement card