Refund & Dispute Services | Time Trust Bank

At Time Trust Bank, the customer is the reason we are in business, and we hold this at heart. Exceptional service delivery is our flagship.

At Time Trust Bank, your financial security and transaction accuracy are our top priorities. Whether you experienced an unauthorized charge, a merchant billing error, or a failed transfer, our streamlined Refund & Dispute Resolution System ensures your funds are protected and returned quickly.

Types of Refund Claims We Handle

  • Merchant & Retail Disputes: Charges for items not received, goods returned but not refunded, or double-billed transactions.

  • Unauthorized or Fraudulent Transactions: Unexpected charges resulting from a lost card, compromised credentials, or identity theft.

  • ATM & Transfer Errors: Cash dispenser errors, failed peer-to-peer transfers, or duplicate account debits.

  • Canceled Subscriptions: Recurring charges that occurred after you formally canceled a service or membership.

The 4-Step Dispute & Refund Process

1. Submit Your Claim

Initiate in under 2 minutes from your app or web dashboard
Use the contact form on the Time Trust Bank website to lay your claim.

2. Provisional Credit Issued

Immediate protection for eligible claims
For eligible unauthorized charges, Time Trust Bank issues a temporary provisional credit to your account within 24 to 48 hours while our team investigates.

3. Investigation & Merchant Review

100% transparent tracking
Our fraud and chargeback team coordinates directly with the merchant’s bank and payment networks (Visa/Mastercard) to gather evidence and resolve the discrepancy.

4. Final Refund & Account Settlement

Complete resolution notification

Once verified, the dispute is closed, and the provisional credit becomes your permanent refund—accompanied by a detailed summary in your inbox.

Guided by Our Core Values

At Time Trust Bank, our values define every decision we make, every product we design, and every conversation we hold with our clients.

  • Integrity & Trust: We operate with uncompromised transparency, ethical governance, and total clarity in everything we do.

  • Customer-Centricity: Your goals are our compass. We tailor our services to fit your life—never the other way around.

  • Innovation: We continuously advance our digital and physical services to keep banking intuitive, fast, and seamless.

  • Excellence: We uphold the highest benchmarks for speed, accuracy, and professional guidance across all touchpoints.

  • Security & Reliability: Protecting your assets, identity, and financial data is our highest institutional priority.

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