Provisional Credit

Temporary redeposit of funds in a disputed Electronic Funds Transfer while the transaction is investigated. Under the Error Resolution procedures in Regulation E, a consumer who claims his bank account was debited erroneously without his or her authorization may challenge the transaction. The consumer's bank has ten business days from the time the complaint is lodged to investigate and if necessary correct the error. If it cannot, the bank must return the funds debited, and it then has up to 45 days in most transactions to investigate the alleged error.