If I can get hold of the stolen ATM card and PIN, I rather withdraw cash directly from ATM machine. No electronic traces left compare to intenet banking which could be traced all the way to the location of the fraud origin.

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Added on October 11, 2008, 12:09 pmThe victim must prove it is a genuine fraud else bank is not liable for the loses. Sad by facts.

Once I was hit by credit card being cloned and used for refuel petrol. The bank dropped those transactions without much questions becuase

1. It was used to pump dif brand of petrol that I used to.
2. The locations were not the place I frequent to.
3. The transactions amount and frequency were significantly dif from my regular refuel amount.

Transaction was perfromed everyday around midnite time for fewdays before it was detected by the bank and card was blocked by fraud preventive systems.