What should you do if your credit or debit card information is stolen?

Target customer data breach affected 40 million shoppers, making it the second largest in history.

This incident has many people monitoring their accounts closely, but it's something that should be done year round.

Security is extra important when shopping online. Shoppers should only use secured sites and card numbers should not be saved on a computer.

Jim Rush, Vice President of First United Bank reminds customers that a debit card is directly linked a checking account, unlike a credit card.

"You are responsible for the first $50 and it's important for you to get to that bank as soon as you notice that your credit card has been compromised, meaning there's some charges that are not yours. Get to the bank. Let them reissue you a new card," Rush said.

Banks are also monitoring accounts.

Stewart Dodson, Assistant Vice Present of Amarillo National Bank said they notify customers if they detect an unusual spending pattern.

They issue a new card and then guide the person through the process of getting money back into their account or onto their card.