First off, as the book says, don't panic. ACU has a plethora of tools to assist you if something goes wrong. In many cases, you are looking at 100% coverage.
Sadly, fraud is to be expected and you might need to fill out a few items to get your account back in order. Here are a couple of forms that should help. The fraud PDF below is for fraudulent use of a debit or credit card. The dispute PDF is for card transactions that the merchant refuses to correct on their own. The last form, for closing and reopening a checking account, will let us help you avoid fraud done directly with your checking account number. Any questions, let us know!