<prompt> Human: Pennsylvania, USI just awoke from a nap to find an email that one of my accounts with BoA fell below a 25 balance. I logged on to my account to find a 1,000 CASHED CHECK HOLD ON 1121 transaction on my checking account and 5 separate transactions for 1,000, three for 3,000 and one for 4,000 from my savings account.I immediately called their customer service line and was directed to the claims department. The representative basically gave me no information aside from telling me these are check cash holds that had to have been initiated by a teller ? and asked if I had written any checks for these amounts. I dont have any checks for my savings account, and obviously I have not done so or I wouldnt have called the customer service line in a panic.She told me Id need to call their check cashing department I dont believe I have that name right which had closed 5 minutes prior to my call, so now I have to wait until tomorrow.Does anyone have any experience with this happening with Bank of America? She wasnt able to give me any information as far as my next steps or what to expect going forward.Edit: Wow, this got way more attention than I expected. Thank you everyone for the information. As mentioned in a few comments Ill be visiting the branch tomorrow and calling the check fraud department if nothing gets resolved on site. Ill also be opening new accounts with a different institution and migrating direct deposit and automatic payments. Ill post an update here tomorrow for anyone curious.Update: I just got off of the phone with the check fraud department. They opened two claims for each account. As of this morning, the transactions are no longer Pending and have new descriptions along the lines of MD TLR cash withdrawal from CHK Banking Ctr LOCATION, Confirmation , for four different locations in Maryland. I think the most likely explanation is that someone got into my online banking, got my account numbers, physically went to these branches and made the withdrawals at the counter. Seems pretty ballsy.The fraud department froze both of my accounts and my debit card I now have two balances of -888,000. Ill be going to the branch to provide some additional information and file a police report, per the discussion I had with the fraud department. They said it could take up to 60 business days for them to complete their investigation, at which time I may need to fill out an affidavit and be able to get my money back.Update 2: I visited the branch this morning and the manager was very helpful, giving me additional information on the investigation and subsequent refunding process. So, shoutout to Mr. Ramos. He opened new accounts issued a temporary debit card which I will probably not even be using, and was able to get the remaining funds I had available 750.00 transferred over from the frozen accounts. He told me I should fax the police report to the fraud department, then call and speak to a manager and they should be able to issue a provisional credit for the full amounts that were stolen. He seemed as baffled as anyone else that these were apparently in-person transactions at 4 different branches in Maryland these branches all appear to be along highway 355 from Frederick down to Gaithersburg and no one raised any alarm bells. He said we have safeguards in place, this shouldnt have happened.The two officers I spoke to at my local PD said similar things, that the perpetrator must have used a fake ID, gone to each bank and gotten a blank check and filled it out with my account numbers. Unfortunately I live in a pretty small town and they told me the report wouldnt be ready until Friday or possibly Monday, but in the mean time Ive given the case number to the fraud department.Heres a brief timeline of the events and my actions: Fraudster acquired my account details by some currently unknown method possibly through a data breachonline banking hack, no checks were stolen or lost that Im aware of, and my personal computers devices are all free of malware Fraudster visited four separate Bank of America branches in Maryland and drained my accounts in six separate transactions on 1121, probably using a fake ID. I received a low balance notification on 1121 and called Bank of America Customer Service line at 7:50 PM - was not given much information and told to call Check Fraud Department in the morning I made this personal finance post, and on the advice of a few users started documenting everything including drafting a letter to send to the fraud department Called Check Fraud Department at 8:10 AM on 1122, accounts and debit card were frozen and two fraud cases opened Visited my local branch and spoke with the branch manager, new accounts opened and available funds transferred Visited local PD and spoke with two officers - gave them copies of my fraud department letter and all supporting documentsNext steps: Open new accounts with local credit union to use once this is resolved Get copy of police report on Friday or Monday to fax to fraud department Call fraud department and hassle manager for provisional credit Wait for up to 60 days for fraud investigation to complete, everyone I spoke to indicated this shouldnt take this long and would almost certainly resolve in my favor Hopefully local MD police can identify the perp and arrest them because doing this to someone is widely regarded as a dick moveIm not really sure what else to add at this point - Ill update again with any new developments - but at this point Ill be disabling inbox replies for this post as the comments coming in now like at least 20 essentially saying Fuck Bank of AmericaDont use Bank of America arent very helpful. Ive already stated several times Ill be switching institutions, though I may keep the new BoA accounts open with minimal balances just in case. Ill be moving the majority of my assets to the local CU.Big thanks to everyone who did leave helpful comments and offer their sympathies - I really appreciate it. If anyone has additional suggestions or questions that havent been answered, feel free to PM me or reply to one of my comments below. If you leave a top-level comment I probably wont see it after saving this update.TL;DR: Fuck Bank of America and people who commit fraudAssistant: This is not a joint account, right?Just alert BofA to the fraud and demand the transactions be reversed. They will then investigate for a while, figure out what happened.Your account is going to be screwed up for a while. If this is the main account you use day to day, you need to open a different one to use day to day and change your direct deposit.If BoAs investigation does not reverse the transactions, you can start complaining to state banking regulators, CFPB, etc.Human: Not a joint account. I was under the impression I was talking to their fraud claims? department but she was telling me there wasnt anything she could do as far as reversing the transactions at the time. It is my main account as far as checkingsavings but I do have a Chase card I can use temporarily. Ill also be opening new accounts with my credit union and moving everything into those as soon as possible.Thanks for the info. Ill be calling again first thing tomorrow. The number she gave me is apparently for the check fraud department so hopefully they can fix it ASAP...  <response>: I had the same thing happen to me a few years back at BoA when I had my checkbook stolen. The first check was 1000, the second 5000, the next 15000.They provided me with a picture of the signature and I verified it was not mine. It took 3-4 days to resolve and have the money back in my account. 