Since Marty and Misty did not have much capital and tried to save money where they could; the business used Martys personal account for business transactions. Marty monitored his account once a week using the online portal furnished by his bank, Regions. On Friday night, Marty noticed that $3400 had been withdrawn from his account on two separate occasions on Thursday. Marty knew that he had not spent that amount of money one time, much less two times in one day. He is afraid that someone fraudulently accessed his account. The following Monday was Labor Day and banks would be closed; however, one branch office was open for four hours on Saturday. On Saturday morning, Marty checked his account again and found that a check for $175 cleared the bank. Cliff, the bank attendant was able to view a copy of the check and noticed the check was written using another party's name and address using his routing and account number.

What course of action would you advise Marty to take on Friday night and/or Saturday morning related to the missing funds?

Will Marty be liable for the money withdrawn from his account? Explain why or why not. HINT: Outside sources will likely be necessary.