I once panicked that someone was getting ready to withdraw funds from my account because I saw those two <$1.00 auth charges. I called my bank, and they panicke

I once panicked that someone was getting ready to withdraw funds from my account because I saw those two <$1.00 auth charges. I called my bank, and they panicked, and immediately created a new account, moved the money into it, and closed the other one. Like within 5 minutes. Turns out I forgot I told a friend to reimburse me for beers we had a few weeks before that, and his payment service was verifying my account. Online banking and all of this digital access to my monies makes me nervous as heck. Double-edged sword. (Yes, I have 2TF hard tokens on all major accounts.)