Some banks are better than others, a smaller more local bank will put the $ back until the outcome the investigation. But you have to be dilligent to catch it too, I sign in my online banking daily. If your someone who never does and you sit down once a month and write checks for bills then you may never know someone got your card number until that day. I had a card # copied by a gas station attendant when I was using a pay at the pump (so the gas station attendant never saw me or physically touched my card). I've had another card number stolen though a yahoo's wallett when I checked the "do not save" option but it did anyway. I've caught it within a day since I check often.

I do use debit cards but split my pay into two different accounts at two different banks and each one has all the bill pay info so if one card were stolen/lost/ bank's systems down I could run from the other.