To date, fraudulent online withdrawals from customers bank accounts have almost always been "made good" by the bank. The bank would try to recover the money but, if it could not, the bank would "make the customer whole", writing off the loss as a cost of doing business.
It looks like that might be changing. Read this article, then be sure to follow it up in the news. If the bank wins, you may be in real danger using online banking.
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