[reaperman]

About 10 years ago I had a similar situation for $500-1500 with my debit card which was pickpocketed in Chicago. I was lucky, Chase put the money back in my account within a couple hours of me calling. Legally I think they could have waited much longer, but they made me whole the same day.

I was a college student, traveling, and generally carried low balances. I was very thankful that Chase handled it the way they did.

They’ve also likely made far more than that in overdraft and monthly fees from my chronically low-balance accounts which often didn't have direct deposit going into them so I’d have monthly fees for the sin of simply “having less than $5,000 and no direct deposits that month”.