My SIS lost all her money in her account by someone in another state withdrawing it using her debit card info. It took about two months to get it all back after she proved she was not in that state at that time. And yes it was a credit union. The crook actually had her PIN number so that is when it is very hard to prove it wasn't a deliberate withdrawal. She had to borrow from her 401k until it was all said and done. She still lost some money in penalties. A charge can be disputed and money put back but not a withdrawal, that is a whole different kettle of fish.