Debit card fraud does not wait for anyone to get organized. The clock starts the second that unauthorized charge hits an account, and every hour that passes can change how much money stays protected.

A polished seal, a familiar logo, and a web address that looks almost perfect. That’s all it takes to trick someone into handing over personal details meant for law enforcement or a federal agency.

Without automated bank account verification in place, organizations leave themselves wide open to costly, damaging fraud ...