It’s Tuesday morning after a long weekend, the bookkeeper comes in a little late but hits the books right away. She comes into your office and asks you about a series of wire transfers you made over the holiday weekend to new employees who apparently live overseas. And then your heart sinks. Because you have heard about how small business bank accounts are hacked, but didn’t think it would happen to you.

It’s happening to the tune of around 1 billion dollars a year. Small business bank accounts are being hacked and the banks are pointing the finger at their customers. Why? Because in many cases there are no actual data breaches at the banks. Cybercrime is often taking place right in the small businesses’ offices on their own PCs.

Bloomberg reports “Organized criminal gangs, operating mostly out of Eastern Europe, target small companies, school districts and local governments that maintain fat commercial bank accounts protected by rudimentary security measures at community or regional banks. The accounts typically aren’t covered by insurance as individual accounts are.”

However one bank fought back and won. iovation reports “one Michigan judge recently decided in favor of Comerica Bank customers, holding the bank responsible for approximately $560,000 out of a total of nearly $2 million in unrecovered losses. A copy of the bench decision is available from Pierce Atwood LLP, and the firm also outlines significant highlights and observations regarding this cybercrime case.

Small businesses are under siege today and must know their bank accounts are being targeted by cyber thieves. One solution is certainly a secure IT infrastructure and another, in some cases, may be moving to a bigger bank. Some smaller banks simply can’t handle the loss whereas bigger banks may have the resources to absorb them. If you bank with a small bank now is the time for a heart-to-heart talk.

Robert Siciliano personal and small business security specialist to ADT Small Business Security discussing ADT Pulse on Fox News.