If you tell your bank within 2 days of learning about fraudulent charges you are responsible for a maximum of . If you tell your bank within 2 days of learning about fraudulent charges you are responsible for a maximum of . drop zone empty. Waiting for more than 2 days but less than 60 days to inform your bank of fraudulent charges you are responsible for a maximum of . Waiting for more than 2 days but less than 60 days to inform your bank of fraudulent charges you are responsible for a maximum of . drop zone empty. After you tell your financial institution about the fraudulent charges it has business day/days to investigate. After you tell your financial institution about the fraudulent charges it has business day/days to investigate. drop zone empty. If the investigation determines the transaction was indeed fraudulent, your financial institution must replace the funds within business day/days.