Sue first, ask questions later
Evidently plaintiff Susan Harvey used her Bank of America debet card without checking her account and/or changing her PIN when she found an unauthorized withdrawal.
See https://www.bankofamerica.com/deposits/manage/faq-debit-card.go:
"How is a debit card different from a credit card? You can use a debit card just like a credit card wherever Visa or MasterCard cards are accepted. However, when you use a debit card, the purchase amount is deducted from your Bank of America checking account."
"Where can I use my debit card to inquire about account balances, transfer funds or withdraw cash from my account? You can get these services at any Bank of America ATM across the country and at many ATM networks worldwide. Some services may not be available at non-Bank of America ATMs. Fees may apply for the available services at non-Bank of America ATMs."