If you receive an ATM fraud alert or spot a withdrawal you do not recognize, contact your bank or credit union promptly using a trusted channel. Check the account, report each unfamiliar transaction, and ask the institution whether to lock or replace the card and secure any exposed credentials. An alert is a reason to investigate, not proof by itself that fraud occurred.
Contact your bank through a trusted channel
Use the phone number printed on your debit card or account statement, or open the bank’s official app or website yourself. Do not use a phone number or link in an unexpected text, email, or call until you have independently verified it. The Consumer Financial Protection Bureau (CFPB) advises: “Contact your bank or card provider immediately if you suspect an unauthorized debit or charge.” CFPB guidance on watching accounts after card data is hacked explains immediate contact and related steps.
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Tell the bank what triggered your concern and report every transaction you do not recognize. A suspicious alert alone is not an unauthorized transaction: check the account and distinguish the alert from any actual withdrawal or charge. If you do see an unfamiliar transaction, report it right away rather than waiting for another alert or a statement.
Ask the issuer to secure the card and account
Describe what may have been exposed—for example, the card itself, its PIN, or account access—and ask the bank what protections fit that situation. Ask whether to lock or cancel the debit card and issue a replacement. CFPB guidance recommends cancellation and replacement when a thief is using the card. Ask whether your PIN or other credentials should be changed as well; if the PIN may have been exposed, CFPB advises considering a change. Do not write the PIN on the card or keep it in the same wallet compartment.
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Report promptly: the deadline depends on what happened
Federal notice rules described by the CFPB differ depending on whether the card or PIN was lost or stolen and when an unauthorized transfer appeared. The applicable result can depend on the facts and account type; do not treat one deadline as universal. See the CFPB’s explanation of unauthorized transactions and missing money, last reviewed August 28, 2026.
| What happened | Notice guidance described by CFPB |
|---|---|
| Debit card was lost or stolen | Reporting within two business days of discovering the loss or theft can limit liability under the described federal rule. |
| PIN or security code was stolen | Report it within two business days under the described guidance. |
| An unauthorized withdrawal appears on a statement, but the card, PIN, or access device was not lost or stolen | Notify the bank right away and no later than 60 days after the statement is sent. Waiting can increase the amount for which you may be responsible. |
These are different notice situations, not a guarantee of reimbursement. Follow the issuer’s instructions for your account, and ask how to submit a written dispute.
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What to expect after you report an unauthorized transaction
Under the CFPB’s general guidance, a bank or credit union generally has ten business days after notification to investigate. If it determines an error occurred, it must correct the error within one business day and report its findings within three business days. These are distinct steps and time periods.
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Some debit-card dispute procedures allow a longer investigation—45 days, and sometimes 90 days—under specified conditions that include provisional credit. That conditional period does not replace the general initial-investigation guidance in every case. Ask the institution which procedure applies and what it requires from you.
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Keep a record and monitor the account
- Write down when you noticed the alert or transaction and when you contacted the institution.
- Record the amounts and dates of unfamiliar transactions, the person or department you spoke with, and any case or confirmation number.
- Ask whether the bank requires a written follow-up, where to send it, and by when. Keep copies of letters and messages and note when you sent them.
- Review recent transactions and continue checking account activity and statements. Report additional unfamiliar withdrawals promptly, including small ones.
The Federal Deposit Insurance Corporation (FDIC) warns that thieves may use low-dollar transactions to test a counterfeit card. Its ATM and card-skimming guidance recommends checking for unauthorized activity.
If you suspect an ATM skimmer
A loose or extra-looking part on a card reader is a reason not to use that ATM or reader. Notify the machine’s owner or the police if you notice suspicious equipment. When entering a PIN, shield the keypad from people nearby and concealed cameras. These steps can reduce risk at future ATM visits, but they do not replace contacting your bank about a suspected compromise.
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When to take broader identity-theft steps
A suspicious card alert does not by itself establish that your identity or other accounts have been compromised. If you have reason to believe personal identity information or additional accounts are affected, contact those institutions and use the FTC’s IdentityTheft.gov recovery resources. The FTC also advises reporting lost or stolen cards to the issuer promptly and monitoring accounts; see its guidance on lost or stolen credit, ATM, and debit cards.
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