[salesguy222]

You would need to sue them in a court of law if they don't comply, which involves hiring a lawyer, which of course is needlessly expensive.

A bank that follows the law after your money has gone poof is the /best/ situation you can hope for, and probably isn't the /average/ or /median/ situation.

I don't check my many bank accounts every day and I prefer to spend days out in the wild with little internet. I will not be a happy camper on the day I'm hacked and my bank tries to explain why it's my fault that they can't pay me :)

[obstinate]

I know several people who have had their bank accounts stolen at one point or another, and it's never required a lawsuit to be made whole. This is because almost all the transactions by which you can lose money through your bank are reversible, except for cash withdrawals.