How to Unblock Your FCMB Bank Account and ATM Card: Hello, welcome to TEEZABIZ.COM.NG. Imagine waking up one morning, trying to log in to your FCMB Mobile App, or attempting to withdraw money from an ATM, only to receive a message that your account is blocked.
This can be frustrating, especially if you need to make an urgent payment or withdraw cash.
A blocked FCMB account or ATM card can happen for many reasons. Sometimes, the bank does it to protect your money from fraud if suspicious activity is detected.
Other times, it could be due to wrong password attempts, exceeding transaction limits, or account inactivity.
Whatever the reason, you need access to your money, and that’s why knowing how to unblock your FCMB account and ATM card is important.
Many FCMB customers face this problem, but the good news is that it can be fixed.
Whether your account was automatically blocked for security reasons or you entered the wrong PIN multiple times, there are simple ways to unblock it and regain full access.
At TeezaBiz.com.ng, we understand how frustrating it can be to have your account locked. That’s why we’ve created this post to help you unblock your FCMB bank account and ATM card with ease.
In this article, we will cover:
- Why FCMB blocks accounts and ATM cards
- How to unblock your FCMB account
- How to reactivate your FCMB ATM card
- Common issues and troubleshooting tips
- Frequently Asked Questions (FAQs)
By the end of this post, you’ll know exactly what to do to regain access to your funds. Let’s get started!
Why Is My FCMB Account or ATM Card Blocked?
Your FCMB account or ATM card can be blocked for several reasons. Understanding why it was blocked will help you choose the best method to unblock it quickly.
Common Reasons for FCMB Account Blockage
- Entering the Wrong PIN Multiple Times
- If you enter your FCMB Mobile App password, Internet Banking password, or ATM PIN incorrectly multiple times, your account may be temporarily blocked for security reasons.
- Suspicious or Fraudulent Transactions
- If FCMB detects unusual activities on your account (such as multiple failed login attempts or unexpected large transactions), they may block your account to prevent fraud.
- Exceeding Your Daily Transaction Limit
- If you send or withdraw more money than your account limit, FCMB may place a temporary block until you verify the transactions.
- Failed BVN or KYC Verification
- If your Bank Verification Number (BVN) is not linked properly, or your KYC (Know Your Customer) details are incomplete, FCMB may restrict your account.
- Inactive or Dormant Account
- If you haven’t used your FCMB account for a long time, it may be placed on inactive or dormant status, preventing transactions.
Common Reasons for FCMB ATM Card Blockage
- Wrong PIN Attempts
- If you enter the wrong ATM PIN three times, the system may block your card automatically.
- Lost or Stolen Card
- If you reported your card as lost or stolen, FCMB will block it to prevent unauthorized transactions.
- Security Breach or Fraud Protection
- If FCMB suspects that your card details have been compromised, they may block it for security reasons.
How to Unblock Your FCMB Bank Account
If your FCMB account is blocked, follow these steps to regain access:
1. Use the FCMB Mobile App to Reset Your Login
- Open the FCMB Mobile App on your phone.
- Click “Forgot Password” and follow the prompts.
- Enter your account number and registered phone number.
- You’ll receive a One-Time Password (OTP) via SMS.
- Enter the OTP and create a new password.
- Log in again with your new password to regain access.
2. Contact FCMB Customer Care
- Call FCMB Customer Support at +234 700 329 0000.
- Select the option for account issues and speak to an agent.
- Provide your account number and personal details for verification.
- Request them to unblock your account.
- You will receive an SMS when your account is reactivated.
3. Visit an FCMB Branch
- Go to the nearest FCMB branch with a valid ID card.
- Request an Account Reactivation Form.
- Fill in your account details and BVN (if needed).
- Submit the form to the bank representative.
- Your account will be unblocked within 24 hours.
How to Unblock Your FCMB ATM Card
If your FCMB ATM card is blocked, follow these steps:
1. How to Reset Your ATM PIN Using USSD Code
- Dial
*329#on your registered phone number. - Select “Card Services”, then choose “Reset ATM PIN”.
- Enter your FCMB account number.
- You’ll receive an OTP via SMS.
- Enter the OTP and create a new 4-digit ATM PIN.
- Your card will be reactivated.
2. Call FCMB Customer Care
- Dial +234 700 329 0000 and follow the instructions.
- Select the option for Card Issues.
- Provide your account details.
- Request for ATM card unblocking.
- Your card will be unblocked within a few hours.
3. Visit an FCMB Branch
- Go to any FCMB branch with your ATM card and ID card.
- Request a Card Unblock Form.
- Fill out the form and submit it to the customer service officer.
- Your ATM card will be reactivated immediately.
FAQs on How to Unblock Your FCMB Bank Account and ATM Card
How do I know if my FCMB account is blocked?
You will be unable to make transfers, log in to the mobile app, or withdraw cash from an ATM.
How long does it take to unblock an FCMB account?
It depends on the reason, but most accounts are unblocked within 24 hours.
Can I unblock my FCMB account online?
Yes, you can reset your login details via the FCMB Mobile App or Internet Banking.
How do I reset my FCMB ATM PIN?
Use USSD (*329#) or visit an FCMB ATM and select “Change PIN”.
What happens if I enter my ATM PIN incorrectly too many times?
Your card will be temporarily blocked for security reasons.
How do I unblock my ATM card if I lost my phone?
Call FCMB Customer Care or visit a bank branch.
Conclusion on How to Unblock Your FCMB Bank Account and ATM Card
Having your FCMB account or ATM card blocked can be stressful, but it is a fixable problem.
Whether it’s due to wrong PIN attempts, suspicious activity, or dormancy, you now have a step-by-step guide to reactivate your account or ATM card.
At TeezaBiz.com.ng, we are committed to making banking easy for everyone. If you found this guide helpful, share it with friends and family who may need it!
Meet Tiamiyu AbdulBazeet Olawale, popularly known as Teezab, a blogger who loves writing about tech, education, cryptocurrency, telecoms, and finance. He studied Electrical and Electronics Engineering at the University of Ilorin. With his mix of tech skills and creativity, Tiamiyu aims to share useful info in a fun way that everyone can enjoy.