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How-to · Consumer help

Report an unauthorized debit-card or bank withdrawal

Notify your bank or credit union promptly about charges or withdrawals you did not authorize.

Steps

3 steps
  1. Report the unauthorized transaction immediatelyIf your card, PIN or security code was not lost or stolen, notify the bank no later than 60 days after it sends the statement showing the transaction.
  2. Follow up in writing if requestedIf you first reported by phone and the bank asks for written confirmation, provide it within ten business days to preserve temporary-credit protections during its investigation.
  3. Report a lost card or stolen PIN quicklyNotify your bank or credit union within two business days after discovering a lost or stolen debit card, security code or PIN. Later reporting can increase your liability.

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