MATHIS, Circuit Judge. The Electronic Fund Transfer Act (“EFTA”) requires banks, credit unions, and similar financial institutions to reimburse their customers for unauthorized electronic transfers of money from the customers’ accounts. Pursuant to its obligations under the EFTA, Michigan First Credit Union had to reimburse several of its customers for unauthorized electronic fund transfers who were subject to a cellphone scheme. Michigan First now seeks to recover those reimbursed funds from wireless cellular service provider T-Mobile USA, Inc. Specifically, Michigan First contends it is entitled to indemnification or contribution from T-Mobile. The district court dismissed Michigan First’s complaint, finding it failed to state a claim for indemnification or contribution under the EFTA or state law. We affirm.