You will need to notify your credit union at least three business days before the scheduled date of the transfer and inform it that you wish to stop payment. You can provide the notice orally, but the credit union may require you to confirm the request in writing. If the credit union requires written verification of an oral notice, the credit union will provide the address where the confirmation should be sent. The oral request ceases to be effective after 14 days if the credit union requests written confirmation and the written notice is not received.

If you had authorized the merchant to charge your account and you want to stop the merchant's ability to debit the account for future transactions:

• you should contact the merchant directly and revoke your authorization to charge your account; 
• you should keep a copy of your notice revoking authorization to charge or obtain a cancellation number; and 
• you should notify the credit union in writing that the merchant no longer has authority to debit your account. .

If you have revoked authorization and the merchant continues to charge the account, you can dispute the transactions with the credit union.

If you authorized the credit union to make the transfer to the merchant on your behalf, you need to revoke your authorization to make the transfer with the credit union.