Its not that big a deal. Mainly amounts to your card getting reissued, almost every bank does theft protection. You dont ever lose the money, the bank does. Still sucks waitin on that card though. I keep a separate account for online purchases and one for expenses, so I still had a card when I waited on the other to be replaced. I use chase, so far so good with them. I like how I can do all my banking, including deposit a check, from my phone. Never on wifi though....
I know you would eventually get your money back, but it's just a big hassle. Something that shouldn't happen anyways. I have seperate accounts but only 1 of them have a bank card, other 1 is suppose to be "savings" haha. I have BMO, never had any problems with them either.