I’m not an expert, but I can tell you that the rules for commercial bank accounts with regard to theft (cyber theft, fraud, etc.) are very different than our personal accounts. The FDIC insures personal funds up to a limit and there are options to recover stolen funds. This is NOT the case for commercial accounts. Check with your bank for more specifics. In the meantime, think about a Positive Pay software option (we offer one) and/or business insurance. Consider limiting the amount of funds in specific accounts; get informed and take some pro-active steps!