What happens if someone hacks into your online bank...

Kane,

The best advice I can give is to buy another computer and use it only for online transactions. Lock everything down, never surf the web on it, install software or use it for anything else but transactions. Password protect the machine. Set all restrictions to their highest level, and on your firewall only allow communication with cashier.partypoker.com (or whatever) and neteller.com (plus their live chat address). Such a machine will be virtually impossible to compromise, even if an expert was deliberately trying. $1000 (or whatever) is a small price to pay for security.

Other than that, request to your poker sites that you can only withdraw to a particular account/bank number. Ask neteller to lock down your login to your IP address only (or a small range), and to only allow cashouts to a specific bank routing number (or whatever).

The only risk then is someone at the companies being dishonest, but that should be traceable and you should be covered, especially if you can show that you took security precautions.

Regarding your actual question, banks will often not cover you, or only do so up to a certain amount. I've read many times of people having spyware on their computer and having their bank account cleared out, only to discover that they weren't covered at all.