Hi Al,
I was a TAFE teacher, and had an account with a linked credit card, with a Credit Union which for obvious reasons I can't name, but it also has accounts labelled S1, S2 etc.
I noticed a fraudulent debit in Austin Texas, where I have never been, and contacted them. There was the usual argybargy about stat decs and so forth, and they let it slip that my credit card number was one of a batch known to have been stolen.
I said "well why did you not notify me?" and the Credit Union woman floored me by replying "it's your responsibility to check your account!!" Duh!!
"Why do you think I'm ringing you now you twit? What is your responsibility then as my Credit Union? Don't you have any?"
After a bit of a furious exchange they agreed they had been a bit lax, and reversed the transaction. I would have refused to contact the party in Austin (it was a bookshop) but they never asked for that. Got to watch out
Cheers