Shop around. Different banks have different contracts. I switched from a bank that held me responsible for the first $50 of fraud, reserved the right to hold funds while they investigated etc. My current bank guarantees that my funds will be returned within 24 hours, even on weekends.
“Shop around. Different banks have different contracts”
They all have provisions for the bank to dispute that its fraud. If the bank does not agree they have a couple months to figure it out. Meanwhile your funds are tied up.
Debit cards are NOT the same as credit cards and they carry additional consumer risk.