Is It Possible to Block Transactions on a Debit Card?

by Miranda Morley
You must contact your bank directly to initiate a block on a debit card transaction.

If you suspect your debit card will be used fraudulently or if you cannot stop an automatic payment you have scheduled with a merchant, it is possible to block debit card transactions by contacting your bank.

Self-Initiated Blocks

Keep records of your canceled subscriptions and paid bills in case you must file a dispute.

If you've recently canceled an automatic payment, such as a gym membership or magazine subscription, the New York Times notes that if you notify the bank verbally and then in writing within 14 days of the verbal notification, the bank can block the reoccurring transaction. You can also contest any debit transaction that you did not authorize, including transactions that you had authorized previously but later canceled.

Bank-Initiated Blocks

If you plan to make a large purchase with your debit card, let your bank know to avoid a blocked transaction.

If the bank suspects your debit card is being used fraudulently or if your account is overdrawn, the bank can block your transactions without warning. This often happens if your account is billed from an unusual locality, such as in another country, or if you make a large purchase. To stop these blocks, simply call the bank to let its representatives know that you will be making the transaction.

About the Author

Miranda Morley is an educator, business consultant and owner of a copywriting/social-media management company. Her work has been featured in the "Boston Literary Magazine," "Subversify Magazine" and "American Builder's Quarterly." Morley has a B.A. in English, political science and international relations. She is completing her M.A. in rhetoric and composition from Purdue University Calumet.

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