Have you ever tried that, asshole?
Which is easier: getting your local idiot bankers to roll back a fraudulent debit, or doing a VISA chargeback?
Why yes, I've done both, and they were about equally easy. Someone printed up some checks with my account info, and pretty much all merchants turn checks in to ACH debits these days. I called up Bank of America, they looked at the check images and other stuff, agreed that the checks were fraudulent, transferred my money to a new account (including the amount that was fraudulently debited), and mailed me an affidavit to fill out, sign, and send back. The main difference with a VISA chargeback is that depending on the situation, they might not insist on sending a new card with a new number--however, I suspect if the amounts involved were the same as in the check fraud case (almost $2000), I would've gotten a new card number.