Here are some key aspects to consider:

Eligible Transactions: The policy should specify which types of transactions are eligible for refunds, such as unauthorized transactions, errors, disputed charges, or specific circumstances like overdraft fees.
Reporting Timeframes: The terms and conditions may outline the time limits within which you must report an issue or request a refund. It's important to be aware of any deadlines to ensure your claim is valid.
Documentation and Evidence: The bank might require specific documentation or evidence to support your refund request. This could include receipts, transaction details, account statements, or any other relevant information.
Investigation Process: The policy should outline the bank's process for investigating refund requests. This may involve gathering information, contacting merchants or other parties involved, and conducting their own internal review.
Refund Disbursement: The terms and conditions should clarify how refunds are typically disbursed, whether it's credited back to your account, issued as a check, or transferred through other means.
Limitations and Exclusions: The policy may include any limitations or exclusions regarding refund eligibility. For example, certain types of transactions or circumstances might not be covered by the refund policy.
Chargebacks: If the refund policy pertains to credit card transactions, it might reference the chargeback process. Chargebacks are typically governed by the card network's rules and regulations, which the bank must adhere to.
Time Frame:If redund is valid then it will be refunded in 3 to 4 working days.