SESKStuff Everyone Should Know
SESK: Stuff Everyone Should Know · sesk.info/teen-lost-debit-card-50

If you report a lost debit card within two business days, you owe at most how much for unauthorized charges?

At most $50, or the unauthorized total if less.

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  1. $50 ✔
  2. $500
  3. The full amount

Why: Report quickly. After two business days you could be responsible for up to $500 in unauthorized transactions.

Huh, didn't know that: Your bank also generally has ten business days to investigate a reported unauthorized transaction.

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References

Answer: $50. Report quickly. After two business days you could be responsible for up to $500 in unauthorized transactions.

  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
    If you notify your bank or credit union within two business days of discovering the loss or theft of the card
    Checked 2026-10-10.

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Test yourself in the game

MoneyAfter your statement shows an unauthorized withdrawal, how soon should you notify your bank?MoneyAfter you report an unauthorized transaction, how long does a bank or credit union generally have to investigate?MoneyIf a thief uses your lost credit card, the most you owe is how much?

That's stuff everyone should know.