Fraud Troubles?

I think that I have been a victim of some sort of identity theft. I noticed an unusual transaction in one of my bank accounts on Saturday. The transaction was for a cash withdrawal from Friday for an unusually large amount. I immediately asked my husband if he withdrew the money, even though he never uses that bank account. He didn't.

I was pretty frustrated that I wasn't able to report the fraud until today (I hate waiting for business hours), but I called it in and reported it today. My bank promised to get back to me within 48 hours.

This unusual transaction caused me to be overdrawn on my account - the first time ever in my life. I was almost overdrawn earlier in May since I forgot about a check I wrote to my cousin for his new baby (I don't like to keep a lot of money in this checking account - I use this bank mostly for their network of ATMs). That time it was the weekend, I realized that I had a bill payment scheduled for Monday for $10 more than I had in my account, so I just went and made a deposit at the ATM during the weekend.

I hate being overdrawn, but I don't want to deposit anymore money into my account until they figure out what happened. I don't want to give the fraudster access to any more of my money. And my bank promised to reimburse me for any fees related to fraudulent activity