[Spooky23]

You’re lucky. My colleague had his skimmed at a gas station and his bank froze his funds, causing his mortgage, car loans and other stuff to bounce. Major PITA.

[marssaxman]

I'm not lucky, I just don't use commercial banks. I had to get screwed over a few times before I learned that lesson, but it did eventually stick.

[phil21]

Eh, using a credit union is really no less risky - from personal direct experience. It's luck of the draw.

I have no experience with small commercial banks though.