Why You're Seeing "TIM HORTONS*" on Your Bank Statement
Why You're Seeing "TIM HORTONS*" on Your Bank Statement
If you've spotted TIM HORTONS* on your bank statement, this charge comes from Tim Hortons, Canada's beloved coffee and fast food chain. The asterisk following the descriptor is a common formatting convention used by payment processors to separate the merchant name from additional transaction details. This charge typically appears after purchasing coffee, baked goods, breakfast items, or any other menu offerings at a Tim Hortons location across Canada. Whether you grabbed a double-double on your morning commute or picked up a box of Timbits, this is the charge you'll see reflected in your account.
The descriptor TIM HORTONS* appears on your bank statement because payment processing systems often truncate or standardize merchant names to fit within character limits set by card networks like Visa and Mastercard. The asterisk is frequently added automatically by the point-of-sale system or payment processor to separate the brand name from supplementary data such as a store number or location code. This standardized format is why the charge may look slightly different from the full brand name you'd recognize from the storefront.
Is the TIM HORTONS* Charge Legitimate or Fraud?
The TIM HORTONS* charge on your bank or credit card statement is almost always a legitimate transaction from Tim Hortons, the popular Canadian-founded coffee and fast food chain. This descriptor appears when you make a purchase at a Tim Hortons location or through the Tim Hortons mobile app. Common reasons you might see this charge include:
- A coffee, tea, or food order placed at a Tim Hortons restaurant
- A mobile order placed through the Tim Hortons app using a saved payment method
- A Tim Hortons gift card purchase or reload made online or in-store
- A preloaded balance top-up triggered automatically by your Tim Hortons app settings
How to Verify the TIM HORTONS* Charge
- 1
Check your Tim Hortons app order history
Open the Tim Hortons mobile app and navigate to your order history. Recent purchases will be listed with dates and amounts that you can match against the TIM HORTONS* charge.
- 2
Search your email for receipts
Look for receipt emails from Tim Hortons (noreply@timhortons.com or similar). These emails are sent after app-based orders and will confirm the transaction amount and date.
- 3
Ask household members
Check with family members or roommates who may have access to your payment method. Someone may have used your card at a Tim Hortons location or through a shared app account.
- 4
Review auto-reload settings in the app
The Tim Hortons app can automatically reload your in-app balance when it drops below a set threshold. Check your app's wallet settings to see if an auto-reload triggered the TIM HORTONS* charge.
- 5
Contact your bank for transaction details
Call the number on the back of your card and ask for the exact merchant details tied to the TIM HORTONS* charge, including the location and transaction ID, to help confirm legitimacy.
How to Dispute a TIM HORTONS* Charge
- 1
Act within 60 days
Most banks require you to dispute an unauthorized TIM HORTONS* charge within 60 days of the statement date. Act quickly to protect your right to a chargeback.
- 2
Contact Tim Hortons customer support first
Reach out to Tim Hortons Guest Services at 1-888-601-1616 or via their website. They can look up the transaction and may issue a refund directly, which is faster than a bank dispute.
- 3
File a chargeback with your bank
If Tim Hortons cannot resolve the issue, contact your bank or card issuer to file a formal chargeback for the TIM HORTONS* charge. Provide any receipts, screenshots, or correspondence as evidence.
- 4
Request a new card if fraud is suspected
If you believe the TIM HORTONS* charge is the result of card theft or skimming, ask your bank to cancel your current card and issue a replacement to prevent further unauthorized charges.
Tips for Managing Tim Hortons Charges
Enable bank alerts for any TIM HORTONS* charge so you're notified instantly of every transaction.
Save your Tim Hortons paper and digital receipts to quickly reconcile TIM HORTONS* charges on your statement.
Use a strong, unique password for your Tim Hortons app account to prevent unauthorized orders on your saved card.
Check your Tim Hortons app wallet monthly for auto-reload charges that may appear unexpectedly on your statement.
Use a dedicated low-limit card for Tim Hortons app purchases to minimize exposure if your details are compromised.
Use WhatIsThisCharge.net to identify any related or unfamiliar charges appearing alongside TIM HORTONS* on your statement.
Frequently Asked Questions About the TIM HORTONS* Charge
âšī¸ Note
In most cases, a TIM HORTONS* charge is simply the result of a recent coffee run, mobile app order, or an automatic wallet reload within the Tim Hortons app â nothing to worry about if you're a regular customer.
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