Yeah, the banks seem remarkably cavalier about all of this. To them, fraudulent accounts are a cost of doing business. They would rather write off 100 bad charges than possibly prevent one person from becoming their customer.

I think if you use smaller banks and/or credit unions, you are more likely to get good customer service. I have my checking and savings through a smaller bank, and they were great - the thieves were never able to access those accounts, even though they tried repeatedly. But the major banks involved (Bank of America, Wells Fargo and others) were wildly unhelpful.