There are ways to avoid this from ever happening again. You need to connect your accounts. I have a Capitol One Credit Card that's connected to my bank. My bank and I have a good relationship because I've been with them for 20 years. I used to be with a credit union, but they're not as good anymore. When they loosened the requirements for Credit Unions, that's when I stopped. Online shit is for the birds. Too bad you had to find out the hard way.