[philwelch]

Bank of America is a particularly crappy bank. US Bank is marginally better in my experience, and ING Direct is by far the best. Particularly in terms of dispute resolution, US Bank was very easy to work with, and settled the matter within I think less than a week. (My ING Direct debit card number has yet to be stolen, and when a whole bunch of debit card numbers were leaked by a third party, they preemptively mailed me a brand new card along with a friendly letter explaining the situation.)

But the real solution for dispute resolution is to use an ordinary credit card and put through chargebacks on any and all fraudulent purchases. Lacking the stomach to keep a credit card I don't do this myself, but I hear chargebacks are very easy by design.