In the US, banks are required to make you whole for personal accounts if you didn't authorize the transaction. Thus it's in the banks' interest to clamp down o

In the US, banks are required to make you whole for personal accounts if you didn't authorize the transaction. Thus it's in the banks' interest to clamp down on the fraud. Small-businesses need to watch out. They often have significant cash in accounts, are targeted because of that, and don't have the same legal protection.