this happened to me and my wife like a week before christmas Luckily mine got froze before they can do anything, on the other hand they got my wife for all she had plus her overdraft Luckily the banks have insurance these days and you DO get your money back. The thing that sucks about that is that it takes 10 buisness days to get back to your account. Think about all the holidays around christmas too, so it seemed to take for ever to get back. They did give her a few hundred bucks to help get her by, but not much if ya consider what went missing.