My sister has had experience with bogus charges, didnt know how that happened. What we do know is that my grandmother who was in assissted living was getting ATM withdrawals about $200 a month and my grandmother never left the place. My dad figured it out as the second page of her statement which had the withdrawals was missing every time she recieved her mail at the home. One of the people taking care of her had found the PIN (which was right on the check book that my grandma always had on the table) and withdrew about $4000 over a couple years time all the while taking part of her mail so she wouldnt know. It made me sick to think of people preying on the elderly, I am glad she got caught and hopefully she will pay it all back (she already lost her license for working in a home or whatever and is now in court). Just a heads up to watch out for others and especially the elderly.