We bank with a credit union, we had a small charge show up for $129 to some 3rd world airline which didn't get flagged, then they tried a $3000 airline ticket purchase which got rejected even though it would have cleared. The credit union called us and we went through all the recent charges and they refunded the money right away.
I haven't used a 'standard bank' in years so I can't speak to how they handle fraund, but we've been really happy with the credit union. I know that policies differ between all banks and credit unions, but from the stories I've heard, it seems like the credit unions care a little more about their customers.
