Note: Not all electronic debits may be disputed:

    • Bill Payment transactions must be disputed through Bill Payment support only.
    • Return check fees can not be disputed via BayPort Credit Union 

If the ACH debit is not one of the above mentioned there are 5 reasons for dispute and you must sign an affidavit swearing to one of the following:

  • Fraud-no account signer gave the merchant your member number and you do not know the company and/or amount. Note: giving your member number out constitutes authorization and is not fraud.
  • Cancelled-transaction was authorized at one time but you had followed the merchant’s cancellation procedure. Details of how and when it was closed will be required.
  • Merchant debited earlier than agreed start state. Details of when it was to start will be required.
  • Wrong amount was debited.
  • Double billed. Note: You may call or email to initiate the process but the investigation will not begin until all paperwork is signed and in our possession.
Once we have all the required information an investigation will begin and you will receive provisional credit no later than 10 business days. Note: If you use the email option you will need to add 2 business days to response time