How to get money back

So what happens if a cardholder has a problem and wants her money back?
"The process varies by issuer," Krattli says. "Call the bank, let them know there's a discrepancy -- that they didn't receive what they ordered, didn't like it, etc. A customer service representative will talk them through some of the steps that will be taken. In most cases, they get the money back in their checking account within five business days."
Sloane thinks consumer concern about loss will continue to push the debit card business. "Zero liability hasn't worked itself all the way out on the debit side, and the next phase will be offers of recovery. A bank will say, 'We'll help you recover accounts.' Maybe five years from now the banks will offer some kind of insurance policy for the best customers."