§ 1005.6 Liability of consumer for unauthorized transfers. (a)Conditions for liability. A consumer may be held liable, within the limitations described in paragraph (b) of this section, for an unauthorized electronic fund transfer involving the consumer's account only if the financial institution has provided the disclosures required by § 1005.7(b)(1), (2), and (3). If the unauthorized transfer involved an access device, it must be an accepted access device and the financial institution must have provided a means to identify the consumer to whom it was issued.
(b)Limitations on amount of liability. A consumer's liability for an unauthorized electronic fund transfer or a series of related unauthorized transfers shall be determined as follows:
(1)Timely notice given. If the consumer notifies the financial institution within two business days after learning of the loss or theft of the access device, the consumer's liability shall not exceed the lesser of $50 or the amount of unauthorized transfers that occur before notice to the financial institution.
(2)Timely notice not given. If the consumer fails to notify the financial institution within two business days after learning of the loss or theft of the access device, the consumer's liability shall not exceed the lesser of $500 or the sum of:
(i) $50 or the amount of unauthorized transfers that occur within the two business days, whichever is less; and
(ii) The amount of unauthorized transfers that occur after the close of two business days and before notice to the institution, provided the institution establishes that these transfers would not have occurred had the consumer notified the institution within that two-day period.
(3)Periodic statement; timely notice not given. A consumer must report an unauthorized electronic fund transfer that appears on a periodic statement within 60 days of the financial institution's transmittal of the statement to avoid liability for subsequent transfers. If the consumer fails to do so, the consumer's liability shall not exceed the amount of the unauthorized transfers that occur after the close of the 60 days and before notice to the institution, and that the institution establishes would not have occurred had the consumer notified the institution within the 60-day period. When an access device is involved in the unauthorized transfer, the consumer may be liable for other amounts set forth in paragraphs (b)(1) or (b)(2) of this section, as applicable.
(4)Extension of time limits. If the consumer's delay in notifying the financial institution was due to extenuating circumstances, the institution shall extend the times specified above to a reasonable period.
(5)Notice to financial institution.
(i) Notice to a financial institution is given when a consumer takes steps reasonably necessary to provide the institution with the pertinent information, whether or not a particular employee or agent of the institution actually receives the information.
(ii) The consumer may notify the institution in person, by telephone, or in writing.
(iii) Written notice is considered given at the time the consumer mails the notice or delivers it for transmission to the institution by any other usual means. Notice may be considered constructively given when the institution becomes aware of circumstances leading to the reasonable belief that an unauthorized transfer to or from the consumer's account has been or may be made.
(6)Liability under state law or agreement. If state law or an agreement between the consumer and the financial institution imposes less liability than is provided by this section, the consumer's liability shall not exceed the amount imposed under the state law or agreement.
FDIC insurance does not cover theft, whether due to fraud in your account, identity theft, or bank robbery. However, most banks insure against robbery (and they don’t lose much anyway). Federal law protects you from most fraud and errors in your accounts, but you have to act quickly to get full protection.
转走那么大一笔钱，银行不打给电话跟你verify一下？
如果用gmail,新设备也是需要验证的啊，验证需要手机，我实在没想明白楼主的秘密怎么泄漏出去的。
可以查，但是如果是电汇，必须收款人同意才能退回，否则没办法
§ 1005.6 Liability of consumer for unauthorized transfers.
(a)Conditions for liability. A consumer may be held liable, within the limitations described in paragraph (b) of this section, for an unauthorized electronic fund transfer involving the consumer's account only if the financial institution has provided the disclosures required by § 1005.7(b)(1), (2), and (3). If the unauthorized transfer involved an access device, it must be an accepted access device and the financial institution must have provided a means to identify the consumer to whom it was issued.
(b)Limitations on amount of liability. A consumer's liability for an unauthorized electronic fund transfer or a series of related unauthorized transfers shall be determined as follows:
(1)Timely notice given. If the consumer notifies the financial institution within two business days after learning of the loss or theft of the access device, the consumer's liability shall not exceed the lesser of $50 or the amount of unauthorized transfers that occur before notice to the financial institution.
(2)Timely notice not given. If the consumer fails to notify the financial institution within two business days after learning of the loss or theft of the access device, the consumer's liability shall not exceed the lesser of $500 or the sum of:
(i) $50 or the amount of unauthorized transfers that occur within the two business days, whichever is less; and
(ii) The amount of unauthorized transfers that occur after the close of two business days and before notice to the institution, provided the institution establishes that these transfers would not have occurred had the consumer notified the institution within that two-day period.
(3)Periodic statement; timely notice not given. A consumer must report an unauthorized electronic fund transfer that appears on a periodic statement within 60 days of the financial institution's transmittal of the statement to avoid liability for subsequent transfers. If the consumer fails to do so, the consumer's liability shall not exceed the amount of the unauthorized transfers that occur after the close of the 60 days and before notice to the institution, and that the institution establishes would not have occurred had the consumer notified the institution within the 60-day period. When an access device is involved in the unauthorized transfer, the consumer may be liable for other amounts set forth in paragraphs (b)(1) or (b)(2) of this section, as applicable.
(4)Extension of time limits. If the consumer's delay in notifying the financial institution was due to extenuating circumstances, the institution shall extend the times specified above to a reasonable period.
(5)Notice to financial institution.
(i) Notice to a financial institution is given when a consumer takes steps reasonably necessary to provide the institution with the pertinent information, whether or not a particular employee or agent of the institution actually receives the information.
(ii) The consumer may notify the institution in person, by telephone, or in writing.
(iii) Written notice is considered given at the time the consumer mails the notice or delivers it for transmission to the institution by any other usual means. Notice may be considered constructively given when the institution becomes aware of circumstances leading to the reasonable belief that an unauthorized transfer to or from the consumer's account has been or may be made.
(6)Liability under state law or agreement. If state law or an agreement between the consumer and the financial institution imposes less liability than is provided by this section, the consumer's liability shall not exceed the amount imposed under the state law or agreement.
朋友A开了一张支票给朋友B，结果B弄丢了支票被C捡到，C通过ATM机存了进去，注意，支票的名字没有C，但是ATM不会查的出来。结果2周之后A打电话给B，因为支票是商业用途，问他货怎么还没过。B说没有A开的支票啊，A纳闷说两周前就给你们会计了。。。B问会计，会计也记得A给她了，结果就是会计弄丢了，可能一打支票去存的路上掉了一张。。。支票有几千刀，A跟CHASE说这个事，CHASE说没办法解决，要A等3个月，调查。。结果3个月过去了朋友A还是没拿到钱。因为C已经在钱过账之后取了钱并且注销了账户。现在这笔钱银行不会负责。
一样的事我问了几个别的银行工作的朋友。我已经关了我在CHASE的账户了。
我觉得他家现在做PRIVATE客人不错。其他的不太行
不需要。至少BOA不需要。
只要汇钱的人证明这是一笔没有授权的汇款。就可以马上取消。
银行可以第一时间打电话给对方联系看对方如何解释。
CHASE这个银行不会怎么承当客户的风险。
银行的人可以在不知道你密码的情况下动用一定数额的钱。因为可以用2个ID VERIFY，而银行又有你的所有资料，比如你的驾照+你的一张信用卡就可以办。
但是这事犯罪。没人愿意为了这么点钱一辈子带黑点的。
不知道CHASE为什么不愿意把信息给客人，BOA是可以查到并且告诉客人一切信息的
拜托，如果自己电脑中了木马，或被安装了KEYLOGGER，啥也救不了你。
银行更不会负责。
银行能查出来吗？ 是因为中了key logger被转走的钱？ 还是被黑了转走的钱？ 这两个都是被黑了啊！
FDIC 主要是防bank run的 不知道防不防fraud 这里说不防
https://www.thebalance.com/fdic-insurance-315761
FDIC insurance does not cover theft, whether due to fraud in your account, identity theft, or bank robbery. However, most banks insure against robbery (and they don’t lose much anyway). Federal law protects you from most fraud and errors in your accounts, but you have to act quickly to get full protection.