In the US, consumer level accounts are protected against unauthorized withdrawals. (The bottleneck for the crooks is finding a sucker who will change a reversi

In the US, consumer level accounts are protected against unauthorized withdrawals. (The bottleneck for the crooks is finding a sucker who will change a reversible transaction into an irreversible transaction.) It might take you some time to get it back, but the bank is legally required to get it back to you. For business accounts this protection does not apply.