This is why you should really consider having fraud insurance as a backup, like Zanders or even lifelock. Especially of you have any sizable cash in you bank account.
These plans rarely pay out, and you'll likely spend more on subscription fees than they'd return to you in fraud payments.
https://www.consumerfinance.gov/ask-cfpb/how-do-i-get-my-mon...
FYI: banks are liable only for PERSONAL accounts. If you have a BUSINESS Account that gets hit by fraud, the bank is not liable. Thats where fraud insurance is most important
To protect against this scam, just don't keep your money in your checking account, simple! My checking account has a balance of zero 99% of the time. If I do a billpayment for $325.45 then I transfer $325.45 to the checking account a minute before I issue the billpay. If I write out a check for my taxes (the only checks I every write) then I transfer the money into the account while I am writing out the check. The only money goes in is when it's already planned to go out.
I keep $150 in a separate checking account that I access with ATMs if I need cash on the go.