I went to the bank today to withdraw some money.
I was supposed to have $58 in my account. I had $8.
Later I requested a transaction report from my bank. There were two $24.95 charges that I had never heard of.
Later I found out, this happened:
http://complaintwire.org/Complaint.aspx/U4p9MKZLvQAHJAjNA6z8hwLuckily, there was only $50 in there for them to steal.
But being out of $50 unexpectedly sucks. A lot.
Be careful, and always keep two accounts.