Will turning off my debit card impact recurring payments? (2024)

FAQs

Will turning off my debit card impact recurring payments? ›

If a recurring payment has already received authorization it will be processed and paid. However, if a recurring payment has not received authorization and is activated while your debit card is turned off, the recurring payment will be declined.

Turning your card off will not stop card transactions presented as recurring transactions or the posting of refunds, reversals, or credit adjustments to your account.

When you lock a card, new charges and cash advances will be denied. However, recurring autopayments, such as subscriptions and monthly bills charged to the card, will continue to go through. Typically, so will bank fees, returns, credits, interest and rewards.

When you turn the card off, it's immediately locked and new purchases, cash advances and balance transfers are blocked. This way, if the card falls into the wrong hands, fraudulent purchases can be prevented.

It allows you to freeze your card or account temporarily and block further charges. Locking will typically prevent new transactions but leave automatic payments, such as bills, bank fees, and subscriptions, enabled. It also won't stop transactions that you initiated before locking the card.

If a recurring payment has already received authorization it will be processed and paid. However, if a recurring payment has not received authorization and is activated while your debit card is turned off, the recurring payment will be declined.

Contact the company: Contact the merchant's billing or customer service department by phone and state that you no longer want your bank account to be automatically charged. Ask for a fax number, email address, or mailing address for the billing department.

To withdraw consent, simply tell whoever issued your card (the bank, building society or credit card company) that you don't want the payment to be made. You can tell the card issuer by phone, email or letter. Your card issuer has no right to insist that you ask the company taking the payment first.

While your card is frozen, charges identified by the merchant as existing recurring charges will still be processed as normal. To stop a recurring charge on a frozen card, you'll need to reach out to the merchant directly. You won't be able to set up new recurring card charges until you unfreeze your card.

Most transactions will be denied while your card is disabled, however, any recurring payments that you have established using your debit card number will be allowed through for processing (e.g. Netflix, etc).

What happens if I block my debit card? ›

When your card is blocked, you cannot make online payments as it will get declined. Also, the card will not be read by the card reader at the ATM or it will not accept the PIN or decline the transaction again. You can confirm if the card is blocked by calling customer care service or at the bank branch.

Through Switch Off functionality all the limits set on your Debit Card will be set to zero. You will not be able to use your card for ATM withdrawal or Purchase transaction, once your debit card is switched off.

Turning your card off will not stop card transactions presented as recurring transactions or the posting of refunds, reversals, or credit adjustments to your account. Any digital card numbers linked to the card will also be turned off.

If you have recurring payments attached to your debit card, you'll need to cancel these so your subscriptions or memberships stay current. Call the retailer or service provider's customer service line to make sure your payments cease and/or give them a new payment method.

Some activity will continue to be allowed such as debit transactions that you authorized before you locked your account, monthly maintenance fees, transactions crediting your account, ACH debit transactions that use your account and routing number (i.e. Direct Deposit), recurring bill payments, mobile check deposit, ...

You have the right to cancel them directly with your bank or card issuer by telling it you have stopped permission for the payments. Your bank or card issuer must then stop them – it has no right to insist that you agree this first with the company taking the payments.

No. Any pending transactions that have already received authorization will be processed and paid.

It is your responsibility to cancel all recurring charges with third parties before closing the bank account you authorized for payment.