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What to Do If You Lose Your RBC Debit Card: A Definitive Guide

In the fast-paced world we live in, it's not uncommon to find ourselves in a situation where we lose personal items, including our debit cards. If you have lost your RBC debit card, fear not! There are several steps you can take to ensure your account remains secure and a replacement card is quickly issued. This article will discuss in detail the three main options available to you: Online Banking, Mobile App, and Customer Service.

Option 1: Through Online Banking

Secure Your Account

Before anything else, the first step you should take is to secure your account. Log in to your RBC online banking account. From there, proceed to the ‘Bank Accounts’ section and click on 'Debit Card Lock' option for the card you've lost. This will immediately prevent any fraudulent transactions from taking place.

Report the Loss

After securing your account, the next step is to report the loss. Navigate to the 'Message Centre', then 'Send a Message’, where you can report the loss of your card.

Request for a New Card

Finally, you need to request a new card. This can be done within your online banking dashboard as well. Go to 'Order New Products' and select a new card. You'll be issued a replacement without delay.

Option 2: Through the Mobile App

Lock Your Card

If you prefer using the RBC mobile app, the steps are equally straightforward. Log in to your account via the app. Under 'Accounts', select ‘Card Management’, then 'Lock Card' on the relevant account.

Inform RBC of the Loss

Next, inform RBC about the loss, so they can protect your account. Navigate to 'Contact Us', then 'Card Lost or Stolen' and report it.

Request Replacement

Under the 'More' menu, you will find the option to 'Replace My Card' by filling out the necessary details. A new card should be dispatched to your stated address.

Option 3: Call Customer Service

Reach Out to Customer Service

If you do not have access to the internet or prefer speaking to a representative, you can always call RBC's customer service. The number to call is 1-800-769-2511. This service is available 24/7 for your convenience.

Verify Your Identity

Be prepared to verify your identity for security reasons. The representative will ask you for specific personal details as well as any recent transactions made on your card.

Report and Request a New Card

Once you've successfully identified yourself, you can proceed to report the missing card. The representative will then help you lock your card to avoid unauthorized transactions. He or she will assist you in requesting a replacement card as well.

In conclusion, while losing your RBC debit card can initially seem stressful, there are several easily accessible options for securing your account and obtaining a new card. Always remember to report the loss as soon as you notice your card is missing to ensure your account’s security.