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What is the best way to get your money back from the bank

If you have lost money or your debit/ATM card or fear that funds have been stolen from your bank account, follow these steps:
  1. Call the bank’s fraud division…now! …
  2. Step 2: Complete the bank’s affidavit. …
  3. Step 3: Set up a fraud alert with the three credit reporting agencies. …
  4. Step 4: Get a new debit card or bank account!

Have you ever been in such situation, and how did you come out of?

What is the best way to get your money back from the bank, feel free to drop your comments.