Arvest did that to me just shortly after Christmas this year. I have tried to use it one day and the next day it still wouldn't work so on the third morning I called Arvest and they told me they have suspended my card for suspiscion of fraudulent purchases. Someone had gotten my information in the Eufaula area and was trying to use my card info without the card. I think I lost something like $6 but it took almost 2 weeks to get the new card. Arvest for the most part sucks.They just blocked you without sending a fraud alert asking you to confirm the purchase? Dang.