If you notice a charge on your checking account statement that you don't recognize, check to see if it matches your spending. Avoiding Account Errors and Fraudulent Debit Charges.Should You Cancel Your Debit Card Completely?.How Do You Dispute a Debit Card Charge?.You're more likely to succeed in disputing a debit charge if you act quickly and support your argument with evidence such as receipts. When you dispute a debit card purchase, your bank is deciding whether or not to restore money that's already left your account. In a credit card dispute, you have the option to withhold payment. Since debit cards don’t offer the same consumer protections as credit cards, disputing a debit card charge is more challenging than for a credit card.