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Contact your bank or credit union promptly using a phone number on your card or statement, or open its official app or website yourself. Do not use a link or phone number in an unexpected alert. Check your account, report any withdrawal you do not recognize, and ask the institution how to secure the card and account. An alert is a reason to check—not proof by itself that fraud occurred.
What to do first
- Reach the issuer through a trusted channel. Call the number printed on your debit card or statement, or navigate to the institution’s official app or website yourself. Do not reply to an unexpected text or email, click its link, or call the number it provides. Tell the bank or credit union about the alert and ask whether it is genuine.
- Check the account and report each unfamiliar transaction. Look at recent activity, including ATM withdrawals and small amounts. Tell the institution which transactions you do not recognize and when you noticed them. A suspicious alert without an unfamiliar transaction is different from a confirmed unauthorized withdrawal.
- Ask the issuer to secure access. Ask whether to lock or cancel the card and obtain a replacement. If the card or PIN may have been exposed, ask what else needs securing, such as the PIN or account access credentials. Follow the issuer’s instructions for changing the PIN; CFPB guidance advises considering a PIN change as a precaution.
- Keep watching the account. Review activity after the call and check subsequent statements. Fraud may appear after an initial alert, and small transactions can be used to test a compromised card.
Report promptly: the applicable deadline depends on what happened
U.S. federal protections distinguish between a lost or stolen card or PIN and an unauthorized electronic transfer discovered in account activity. The CFPB’s guidance, last reviewed August 28, 2026, describes the following notice periods. The facts—including whether you still had the card and when the transaction appeared—matter; these are not one universal deadline.
| Situation | CFPB-described notice period | What to do |
|---|---|---|
| Debit card is lost or stolen | Report within two business days of discovering the loss or theft to limit liability under the described rule. | Contact the issuer immediately and say when you discovered the card was missing. |
| PIN or security code is stolen | Report within two business days under the described rule. | Tell the issuer what may have been exposed and when you learned of it. |
| 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. | Identify the transaction and the statement date. Waiting can increase the amount for which you may be responsible. |
These timings summarize CFPB consumer guidance; the outcome depends on the circumstances and the account or card involved. Debit, ATM, prepaid, and other accounts may have different procedures or protections. Report suspicious activity promptly rather than waiting to determine which rule applies.
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Once you notify the institution of an unauthorized transaction, CFPB guidance describes a general initial investigation period of ten business days. If the institution determines an error occurred, it must correct it within one business day and report its findings within three business days. Some debit-card dispute procedures allow a longer investigation—45 days, and sometimes 90 days—under specified conditions that include provisional credit. These periods describe different stages or conditional procedures, not a guaranteed refund schedule.
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Ask the issuer how it wants you to submit a written dispute and what information it needs. Keep following its error-resolution instructions, including any deadlines it gives you. Do not assume that an alert, report, or provisional credit by itself guarantees a particular reimbursement.
Keep a clear record of your report
- Write down the date and time you contacted the institution, the department or representative, and the case or confirmation number.
- Record the disputed transaction dates and amounts, and note when and how you first saw the alert or activity.
- Ask whether written follow-up is required, how to submit it, and where to send it.
- Keep copies of dispute letters, messages, and relevant account or statement records, along with the dates they were sent.
If the alert may be a phishing attempt
Do not provide a PIN, password, one-time verification code, or other credentials in response to an unexpected message or call. End the interaction and contact the institution using a trusted channel. If you already shared credentials or clicked a link, tell the bank promptly and ask what access should be changed or blocked. Report actual unfamiliar transactions separately from the suspicious message.
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Reduce the risk of ATM skimming
FDIC guidance advises avoiding an ATM or card reader that appears to have loose or extra parts, shielding the keypad while entering your PIN, and notifying the machine owner or police if you spot suspicious equipment. Continue checking for unauthorized activity, including small test transactions. These are precautions for future ATM use; they do not replace contacting the issuer when you suspect your card or account has been compromised.
When to take broader identity-theft steps
A card alert alone does not establish that your identity or other accounts have been compromised. If you have evidence that personal identity information or credentials beyond the card were exposed, contact affected institutions and use the FTC’s IdentityTheft.gov recovery guidance. For unauthorized debit-card use, the FTC also advises contacting the bank promptly and asking how it can address the transaction.
Quick Recap
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