So sorry to hear about that Al, what a bummer.
This happened to us just recently, although we actually caught them in the act. We were paying an insurance premium on line and I noticed that the balance on our card have moved since I looked earlier in the day.
I immediately ‘phoned the bank and as we were talking, 2 more fraudulent debits were made, so the card was cancelled immediately. Although we told the bank rep that we were both at home with our cards in our hands, we still had to go through the dispute process, but the good news is that the funds were credited back, some 3 weeks later, although I am still pursuing a $25 over limit fee the bank stung us with!
The inconvenience of changing standing orders, etc was quite onerous.
Cheers
Dennis