This isn't always easy, so I had to call Wells Fargo's 1-800 number a few times to try and reverse the resulting late fees. Each time, I had difficulties getting through their security questions.
"No, I can't read off my ATM card's number for you, because I lost my ATM card."
"No, I don't know my checking account number. I lost my checks too."
"Amount of my last deposit? If I had that available, you'd think I'd know one of the other questions, wouldn't you?"
I'm eventually able to get through. They apologize for the inconvenience.
"No problem. I get this a lot, what with not having an ATM card anymore and all."
I hint and hint and hint, but none of these conversations end with anyone offering me a replacement card.
Sure, I could ask directly, but where's the fun in that?