Eventually you'll probably be made whole (unless the bank isn't one of the ones that waives your $50/$500 liability). But usually they won't return your money u

Eventually you'll probably be made whole (unless the bank isn't one of the ones that waives your $50/$500 liability). But usually they won't return your money until after they resolve the dispute so your account is still missing the disputed money which could make you bounce checks or be unable to use your debit card until the dispute is resolved.