Whose Fault is Debit Card Fraud?

When you use your card, you see the interaction among three parties:

1. You tell a merchant you'd like to buy something.
2. That merchant tells your credit union or bank to pay money from your account.
3. Your credit union or bank asks you to authorize the transaction.

If something goes wrong during that process, many assume it is the fault of one of these three parties. In the modern financial world, though, nothing is that simple.

Here's a look at three other places fraud could occur and cause your transaction to go wrong so you can better protect yourself.