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Generally you are pretty safe. It really depends on how they got it out of your account.
If it was via credit card then its normally only $50 you are up for, provided the bank cant produce your signature on the charges.
If it was out of your account, again they are going to have to produce some sort of signature or authority. If they cant then you should be right.
This is of course unless the bank can prove you were negligent - say keeping your pin number with your ATM card.
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