Can somebody else cash a settlement check for $45,000?
Someone can potentially access your bank account using your physical debit card if they also possess your Personal Identification Number or if they use the card for unauthorized contactless or online transactions that do not strictly require a PIN. If your card is lost or stolen, an unauthorized user might attempt to withdraw cash from ATMs or make purchases at retail stores before you report the theft to your financial institution. However, modern banking regulations and fraud monitoring systems provide significant protections. If you promptly report unauthorized transactions, federal laws and bank policies typically limit your financial liability, and the bank will investigate the fraudulent activity, refund stolen money, and issue a replacement card with new security numbers.
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