Some hacker was able to forge a physical duplicate of my wife's debit card. They went on a little shopping spree down in California, swiping the card at point-of-purchase outlets where no PIN was required. They emptied out our checking account, and then maxed out our overdraft protection credit line before the bank froze the account and called my wife at work to inquire how it was that 2 identical cards were being swiped on the same day 1000 miles apart. They got us for about $1800. Fortunately, that was the balance in our account after we had just paid about $5K in first-of-the-month bills, mortgage etc. so nothing bounced; if they had hit us 1 or 2 days earlier we would have had an avalanche of bounced checks to deal with, and the thieves would have gotten a lot more money. We filed a fraud claim with the bank as well as police report with our local police department, and found out that others who dined at a local restraunt and paid with debit cards were reporting similar problems. Someone probably put a "skimmer" on the card reader. Its is frightening and stressful to go thru something like this. The bank is processing our claim and said that we will probably be made whole in 7-10 days. My heart goes out to other, low-income victims for whom the complete draining of their checking account for a week or more would be financially devastating. For us, this has boiled down to the hassle of my wife spending 3-4 hours on the phone, filling out forms, and transferring funds from savings. We can use other credit cards until matters get sorted out, our bills are still being paid and we will eat and be OK. I'd like to find whoever did this and KICK THEIR ASS!