09/02/2026
🚨 See an electronic transfer you did not authorize? Don’t wait to see if it happens again.
Swipe through this checklist to protect your account and create a clear record:
🏦 Contact your bank using the number on your card, statement, or official banking app.
🔐 Change your password and PIN, review connected devices, and turn on transaction alerts.
📁 Save screenshots, statements, messages, transaction details, claim numbers, and representative names.
✍️ Follow up in writing and keep proof of submission.
⏱️ Timing matters. The two-business-day rule generally relates to discovering that a card, PIN, or other access device was lost or stolen. A separate 60-day period generally applies after the bank sends the statement showing the unauthorized transfer.
These are deadlines, not waiting periods. Report the issue as soon as possible.
If the bank denies your claim, request its written findings and the documents used in the investigation. Consider seeking legal guidance promptly.
🔖 Save this checklist.
📤 Share it with someone who may need it.
⚖️ Know your rights.
This post provides general educational information, not legal advice. Regulation E coverage, deadlines, and potential liability depend on the account, transaction, and specific facts.