Card Disputes

Disputes can take up to 60 business days to be resolved.

Any documentation that can help prove the situation is helpful! This can be receipts, order confirmations, proof of cancellation, and any attempts to resolve the dispute with the merchant.

A form is not needed to file a dispute with MIDFLORIDA. 

A non-fraud dispute can be filed up to 120 days after the transaction was posted to your account. Fraud claims should be reported within 60 days from the statement date.

Incorrect charges can be 

• Duplicate transactions
• Merchandise or service not received
• Returns not refunded
• Canceled services
• Incorrect amount charged

Because your card is so valuable, be sure to contact us as soon as you realize your card is missing. We're available 24/7 for you to report a lost or stolen debit card or suspicious activity using your debit card:

• Within the US, call 1-833-933-1681
• International, call 1-812-647-9794

To help prevent fraud, MIDFLORIDA employs a service to watch for debit card activity which may not match your normal purchasing pattern. As a result, there are occasions, where you will need to be reached to confirm card activity. If you cannot be reached, the use of your card may be impacted. To avoid having your card blocked, make sure that we have your correct contact information by calling the Help Desk, update the information in online banking or visit a branch.

Turn your card off under "My Cards" in mobile or online banking.