What’s a temporary credit and how does it work?

Certain disputes may be eligible for a temporary credit. If we can’t resolve your dispute within ten business days (20 business days for new accounts), we may apply a temporary credit to your account while investigating your dispute. 

Keep in mind that a temporary credit is not proof of a decision in your favor, and may be removed from your account depending on the outcome of the investigation. 

 Disputes that may be eligible for a temporary credit include:

• Debit Card
  • Unauthorized transaction
  • Canceled transaction
  • Duplicate transaction
  • Paid by other means
  • Incorrect transaction amount
  • ATM cash non-dispense or Cash partial dispense
  • Credit not processed
• All ACH Transactions
• Pay Anyone Transfers
  • Unauthorized Transactions 
  • Incorrect Amount/Recipient (transaction error only, excludes member error)
  • Non-member error

The following dispute types are not eligible for a temporary credit:

• Debit Card
  • Non-receipt of goods and services
  • Merchandise returned
  • Goods/Services not as described
• Late Notification Claims (notice of error received more than 60 days after the transaction first appeared on the statement)
• All credit card transactions