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This happened to my wife a few months ago. I heard her part of the conversation. We thought something was wrong. I logged in to my bank account and watched the money drain out of our join account. My wife couldn't login to her account (the phisher changed the password) but they drained all her accounts. I called our bank within the hour. They were very reasonable with resolving the issue and returning our money. The phisher was attempting to purchase gift cards from a Walmart 500 miles away. It was easy to prove to the bank that we were scammed. I hope others are just as lucky and can report it in time.

ninja edit: we called and froze our credit immediately