I really thought in a fraud case they would operate just about the same. It has happened on credit cards and I call. They issue a new card and the money is credited back immediately. Last week I saw a series of 3 foreign transactions for travel companies. I called the bank as soon as they opened. Sounded good except for the 3 to 5 day hold on my money. Ok. 3-5. That came and went and no provisional credit. Now they give me a day, 11 days out that I will be credited my money on a provisional basis. This experience very much makes me want to use my credit card and pay my usually things off immediately via online banking that day.