Your bank's app or ATM isn't working. What now?

First 30 minutes

1. 1Check that it's the bank, not you. Try the bank's website on another device, or a different network. If only your phone is failing, restart the app or phone.
2. 2Get updates from official channels only. That means the bank's website, its verified social media accounts, or the phone number on the back of your card. Don't trust links in texts or posts from strangers.
3. 3Write down what you can still see: balances, recent transactions, and upcoming bill dates. A screenshot works too.
4. 4Switch to cash for essentials and put off anything that can wait.

Watch for scams

If it lasts more than a day

• ATMs: If the bank itself is down, other banks' ATMs may not be able to approve your withdrawals either. Don't spend the day driving between machines.
• Bills: Note what's due. Contact the company once systems are back. Some companies waive late fees after a widespread outage, so ask instead of assuming.
• Paychecks and transfers: Direct deposits and transfers may show up late. Keep a written log of what you're expecting and what you've spent.
• Branches: Some open with limited service. Call first if you can.

Before the next one

• Keep a few days of cash at home in small bills.
• Keep a paper sheet with your bank's phone number and key bill due dates. Don't write down passwords or full account numbers.
• Consider a second account at a different bank, so one bank's outage doesn't cut off everything.