Clients have 60 days from the date of the statement listing the item to dispute the transaction. 

The Transactional Risk and Fraud department reviews Electronic Fund Transfers (EFT) transaction disputes to determine whether transactions were authorized or unauthorized. Provisional credit is provided to the client's account within 10 business days of reporting the EFT transaction dispute. 

Clients are notified by letter within 3 business days of the Transactional Risk and Fraud department determination of whether transactions were authorized or unauthorized.

The official Reg. E Date of Notice of Error begins at the time the client notifies a bank associate of the dispute. Notification is either in person, by phone, mail, email, message or chat. The entire timeline for response begins with the Official Date of Notice of Error.

Associates must begin the Centrix Dispute Tracking process immediately upon receiving notification from a client regarding a transaction dispute. See Creating a Centrix Dispute for detailed procedures.

Note: Transaction disputes reported after the allowable timeline are required to be entered into the Centrix Dispute Tracking system. Clients should be advised that the reporting deadline has passed. Explain that a dispute is being filed, but that Capital City Bank won't collect on the transaction and therefore the client does not receive credit.