For anyone who is curious or someone that is in a similar situation.

I spotted the pending unauthorized $60k withdrawal Thursday, submitted fraud claim with the bank Friday when it’s posted, and got our money back by noon Friday.

Not sure if it’s the claim I submitted, but the unauthorized withdrawal make our account go into negative $55k, as we only had $5k. As result we got an email 6 hours after the ACH was posted, saying all ACH was denied because we don’t have enough money…. So I guess don’t have enough money in our checking helped. If this were to happen a during tax season it would have been a different story, maybe.

Primal post: https://www.reddit.com/r/smallbusiness/s/XktZEdBQOe