But why? What are you worried about? The anti-fraud systems being employed by your bank are damned good. Moreover, All banks (U.S.) provide fraud protection...

But why? What are you worried about? The anti-fraud systems being employed by your bank are damned good. Moreover, All banks (U.S.) provide fraud protection... Looking at my Bank's website for a moment reveals that a potential attacker could, I assume, change my ATM PIN (If they already knew it) do some bill pay, and possibly create an ACH transfer... Which I could reveal as fraudulent to my bank... Why should I be worried about this? I'm not trolling... I just don't understand what we are all supposed to be afraid of.