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It doesn't matter which bank you choose, all have a clause in the agreement you sign (AKA Signature Card) and on the back/bottom of your regular statement that states you, the consumer, must inform the bank of any unauthorized transactions within X amount of time. A consumer's failure to do so limits the bank's liability. When a bank does reimburse its clients for fraudulent transactions, that money comes from the bank's reserves for fraud, NOT from the FDIC. The point of the FDIC is to protect consumers from Bank failure, up to $100,000 per account holder, not from consumer fraud.
(Now, if hacker's got into your bank's computers and stole from you, there would be a strong case for them to waive the 60- or 90-day period in which you must inform them of the fraudulent transactions on your account and for them to reimburse you in whole.)
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Proud to be a Macon Magnolia!
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