<prompt> Human: So back in June, I was out with some friends on a fishing trip over the course of a Saturday morningafternoon. When we were done fishing, we bounced around to a few bars by boat and once it started to get dark, we headed home. I wake up the next morning and log into my online banking with Bank Of America to see what the damage was from the day before, and find my entire checking account has been cleaned out. Granted, I dont keep a large balance in there usually no more than 1500 but I was missing 806 that was taken out of my account with two back-to-back withdrawals from an ATM in NW Washington DC about 45 minutes to an hour from me. At this point I should mention that I had accidentally left my Debit card at the last bar that we visited. Its one of my regular spots, and I normally dont have to give them a card to open a tab there, but this time I didnt recognize the bartender and he held it. I left without it, out of the habit of not normally having to ask for it back. I called the bank immediately to contest the withdrawals, and was transferred to their fraud department to open a claim. I gave them all the info I had, about my whereabouts during the day they could see the charges at the different places around Annapolis and explained that I didnt have my Debit card on me. The woman on the phone said that the withdrawals appeared to have been made in the late morningearly afternoon, when I would have been out in the middle of the bay, so it was more than likely not someone from the bars.A few days later, I get a notification from them in my online banking center that the claim was being closed and the temporary credit they had given me was being reversed. I called the bank back and they said that the fraud investigator had determined that there was no pattern of fraud I havent been to DC in years, and very rarely, if ever, have made a cash withdrawal from an ATM like that in the 10 years Ive banked with BOA. I admittedly got a bit pissed at this, as there was literally no physical possibility of me making it from the middle of the bay all the way to the ATM address in DC and then back to Annapolis to bar hop in the timeframe they were describing. I asked about the cameras on the ATM, and also referenced their zero fraud liability but they said that because it was determined I was at fault none of that matters. Am I wrong in thinking that it is the banks responsibility to protect their customers? Is there anything I can do to get my money back?UPDATE: Just got off the phone with a supervisor from their fraud department, and got a little information from him. The timeframe for the charges that day are as follows:1:16 pm - My first charge of the day, in Annapolis3:07 pm - Balance inquiry, followed by 503 withdrawal in DC3:08 pm - Balance inquiry, followed by 303 withdrawal in DC7:12 pm - my last charge, in annapolisSo basically, the timing of the withdrawals couldnt have been more perfect to make me look like I made the whole thing up. Plenty of time for me to have gone from Annapolis to DC and back. He suggested a police report, which Ill be filing now. Should I file the report with my hometown PD, or call DC?Also, for those of you suggesting the camera footage from the ATM, apparently since it was a Citibank ATM and not a BOA ATM, they cant help. Supposedly the only way to get the footage is if the Police subpoena it.UPDATE 2:Spoke to the police, theyre gonna have an officer meet me at my house today after work to get a statement. Ill update the bank with the report number, hopefully that will help speed things along and get this resolved. Thanks for all the pointers, lesson learned. Credit cards from now on!  <response>: This is why using Debit sucks and Credit Card is always superior. You wouldnt be out the cash and you wouldnt be responsible for the fraud.Sorry man, I hope you get your money back. 