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If you see a withdrawal or transfer you did not make or authorize, contact your bank or credit union promptly through a trusted phone number or secure channel. Don’t wait for a merchant to respond first. Check the transaction details, report each suspected unauthorized electronic transfer, and keep a record of your notice. In the United States, specific deadlines and protections may apply under Regulation E, depending on what happened and when you notified your financial institution.
What counts as a suspicious withdrawal or transfer?
Compare recent account activity and periodic statements with transactions you actually made or allowed. Review more than debit-card purchases: electronic fund transfers can include ATM withdrawals, electronic bill payments, automatic deductions, ACH transfers, and electronic person-to-person payments. Regulation E generally covers certain transfers initiated through an electronic terminal, telephone, or computer to debit or credit a consumer account. The CFPB’s consumer guidance and Regulation E definitions and official interpretation explain the scope and examples.
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For each entry you don’t recognize, check its amount, date, description, and payment channel. Consider whether a household member or anyone else you authorized could have made it. A statement description may identify a payment processor rather than the seller, so ask your institution to help identify an unfamiliar entry. A strange-looking descriptor by itself does not establish fraud.
Under the CFPB’s explanation of Regulation E, an unauthorized electronic fund transfer is generally one initiated by someone other than the consumer, without the consumer’s actual authority, and from which the consumer receives no benefit. Examples can include a fraudster using stolen credentials or account information obtained through hacking. A transfer made by someone you voluntarily authorized may be treated differently, unless you have told the institution that the person’s authority ended. See the CFPB’s electronic fund transfer FAQ.
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What to do when you find a transfer you didn’t authorize
- Contact your bank or credit union promptly. Use a phone number from your card, statement, or the institution’s official website, or use its verified secure messaging channel. Identify each transaction you did not make or authorize, and ask how to report the error and prevent further access. Don’t postpone notifying the institution while you try to resolve the matter with a merchant.
- Report any missing or exposed access device. Tell the institution if your card, PIN, or other access device was lost, stolen, or exposed. Ask whether it should disable or replace the card or online access. Change compromised credentials through the institution’s verified channels.
- Keep a record of the report. Save the statement and transaction details, note when and how you contacted the institution, and retain the reference number and copies of forms or follow-up messages. If you report orally and the institution requires written confirmation, send it promptly and keep a copy; written-confirmation requirements can affect investigation and temporary-credit procedures.
- Check the account again. Review later activity and report any additional unauthorized transfers as soon as you notice them. Delay can affect responsibility for later transfers.
Which reporting deadlines matter?
Regulation E’s liability rules depend on the circumstances, including whether an access device was lost or stolen, whether it was used for the transfer, and when the institution received notice. The CFPB’s guidance on unauthorized transfers summarizes the main deadlines. These are general rules, not a guarantee of a particular refund or liability outcome.
If a card, PIN, or other access device was lost or stolen
If you notify the institution within two business days after learning that an access device was lost or stolen, your liability for unauthorized transfers generally is limited to the lesser of $50 or the amount transferred before notice, if Regulation E’s conditions are met. If you notify the institution later, potential liability can be higher—up to $500 in some circumstances. Tell the institution as soon as you learn of the loss or theft.
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If a statement shows an unauthorized transfer
Report the transfer within 60 days after the institution sent the statement showing it. The 60 days run from the statement’s transmittal, not simply from the transaction date. If you wait, the law can allow liability for later transfers that the institution establishes would not have occurred had you given timely notice. The result depends on the facts and whether an access device was involved.
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For covered errors, the institution generally has 10 business days after receiving notice to investigate. For certain accounts open less than 30 days, the period is generally 20 business days. If it cannot finish within the applicable period, it generally must provide temporary credit for the disputed amount, less up to $50, while it continues investigating, subject to the rule’s requirements. Temporary credit is not the same as a final decision on the claim.
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When the institution determines that an error occurred, it generally must correct it within one business day and report its findings within three business days. Ask the institution what applies to your case, including whether it needs written confirmation and what you must do while an investigation is open.
Does keeping your physical debit card rule out fraud?
No. An unauthorized electronic transfer may be made using stolen credentials or account information obtained through hacking, even if you still have the physical card. A transfer can also involve a different channel, such as an electronic bill payment or ACH transfer. The key questions are whether you made or authorized it, whether you benefited from it, and which Regulation E provisions apply—not simply whether the card is in your possession.
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What Regulation E does—and doesn’t—decide
These protections concern U.S. consumer deposit accounts and electronic fund transfers covered by Regulation E. Paper checks, business accounts, credit-card billing disputes, and transactions outside Regulation E can follow different rules. Whether a particular transaction qualifies as unauthorized or is covered depends on the facts and applicable law.
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