What’s the best way to reach a live representative?

To quickly connect with a live person, press 0 repeatedly, follow it by pressing #, then # again, and stay on the line—this method often bypasses the menu and transfers you to a representative.

Timing your call matters:

• The least busy day to call is Monday, offering a balance of low call volume and good staffing.
• The shortest wait times, however, tend to be on Wednesday.

ExpressBank also handles lost or stolen card reports—follow the prompts or connect with a banker during staffed hours.