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SESK: Stuff Everyone Should Know · sesk.info/teen-bank-investigation-ten-days

After you report an unauthorized transaction, how long does a bank or credit union generally have to investigate?

Generally ten business days to investigate.

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  1. Two business days
  2. Ninety days
  3. Ten business days ✔

Why: If the account has been open less than 30 days, the bank may take 20 business days. If it needs longer, it must generally give you a temporary credit.

Huh, didn't know that: A bank must tell you its findings within three business days after the investigation.

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Why did Sherlock Holmes get audited by the IRS? He had too many deductions.
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References

Answer: Ten business days. If the account has been open less than 30 days, the bank may take 20 business days. If it needs longer, it must generally give you a temporary credit.

  1. CFPB: How do I get my money back after an unauthorized transaction? www.consumerfinance.gov/ask-cfpb/how-do-i-get-my-money-back-after-i-discover-an-unauthorized-transaction-or-money-missing-from-my-bank-account-en-1017
    it generally has ten business days to investigate the issue
    Checked 2026-10-10.

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Test yourself in the game

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