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How many days do you have to dispute a bank statement error

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How Many Days Do You Have to Dispute a Bank Statement Error?

If you see a charge on your bank statement that you did not make — a duplicate charge, a wrong amount, or a debit you don't recognize — you have a limited time to say something. This page explains the deadline and what happens after you report it. It is not legal advice.

The 60-Day Rule

• You have 60 days from the date of the statement that shows the error to notify your bank.
• This rule comes from Regulation E, 12 C.F.R. 1005.11, as explained by the CFPB.
• This 60-day rule is for electronic transfer errors — unauthorized debits, wrong amounts, duplicate charges. It is not for overdraft or NSF fees, which are fees you can ask the bank to waive as a courtesy, not a legal dispute.

Read the full explanation at the CFPB — how to dispute an error on your checking account statement.

What the Bank Must Do

• Once you report the error, the bank generally must investigate within 10 business days.
• If the investigation takes longer, the bank generally must give you a provisional credit while it finishes, for up to 45 days.

Confirm these timelines for your situation with the CFPB page above — timelines can vary and this is general information, not a guarantee.

Unauthorized Debit Card Charges

• If someone used your debit card without permission, your liability is limited to $50 — but only if you report it within 2 business days of learning about it.
• If you wait longer, you could be responsible for more. Report it as soon as you notice it.

See the CFPB — lost or stolen debit card page for details.

If It's a Fee, Not an Error

Overdraft and NSF fees are not Regulation E errors. There is no 60-day clock for them. But you can still ask the bank to waive the fee — many banks will do this as a courtesy, especially the first time.

• Under Regulation E, a bank can only charge overdraft fees on one-time debit card and ATM purchases if you opted in. You can opt out — your card will simply be declined instead of overdrawing. This does not affect checks or autopays.
• If a call doesn't work, you can file a complaint with the CFPB, and the bank generally must respond in writing, usually within 15 days.

See CFPB — what is an overdraft fee and CFPB — submit a complaint.

What to Do Next

The free tool reads the exact line from your own statement — the charge, the fee, the date — and tells you whether it looks like a Regulation E error with a 60-day clock, a fee you can ask to have waived, or both. It gives you the words to say on the call and the letter to send. Nothing you paste is stored, and you don't need an account.

This tool is not a lawyer and can be wrong. A fee waiver is the bank's courtesy, not a right. A Regulation E dispute is a right with real deadlines — confirm them with the CFPB pages linked above before relying on them.

Bank Fee Refund explains bank fees and Regulation E in plain language; it can be wrong, and it is not legal or financial advice. Fee waivers are at the bank's discretion. Deadlines are from federal regulation as published by the CFPB — confirm before relying on them. Nothing you paste is stored.