Why was my debit card declined?

There’re a couple options available to find out the specific reason why your card declined.

  • Sign up for the account alert for declined transactions. Because the alert is customized to you, we can send an email or text to tell you the specific reason why the card declined. 
  • Ask our Smart Assistant. Here, the assistant will review your account and tell you the specific reason for the decline.

Please be aware if any of the following circumstances apply, your card can also decline.

  • The card isn’t activated.
  • Attempts to exceed your daily transaction amount.
  • Lack of available funds. 
  • Expired card information is being used.
  • Possible magnetic strip damage (in this case, you'll need a new card).
  • PIN was entered incorrectly.
  • Transactions originating in the following countries due to current sanctions. This is because we're required to restrict access or transactions in a sanctioned country.
    • Cuba
    • Iran
    • Syria
    • North Korea
    • Crimea Region of Ukraine

If you need further assistance, call us at 800-USBANKS (872-2657). We accept relay calls.