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Originally Posted by Izulde
The big difference between debit card fraud and credit card fraud:
Credit card fraud you aren't liable for any costs if you get defrauded. It used to be you were liable up to $50, but they changed that to zero a few years ago.
Debit card fraud, you're screwed and have little to no protection.
It's why I don't ever use a debit card.
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Where are you getting your information?
First of all, if you use a Visa Check card, you have exactly the same protection as other Visa cards - no liability for fraudulent charges.
Secondly, if someone uses a regular ATM card of yours, at an ATM or at a POS terminal, it is exactly the same as someone walking into the bank, and using your account number to withdraw money - the bank cannot give your money to someone else, and then tell you its gone. They are responsible if they let someone else use your card, just like they would be responsible if they let someone withdraw money at a branch from your account.
Where you may be screwed is the time - they can investigate claims of fraudulent use before refunding the money, so if you get your account cleaned out, and have no other source of funds, it could be 60 days before you get it back.
Now, get your ass back to the Adger dynasty and give us an update.