Legal analysis: Whether the bank can be sued depends on whether the bank needs to bear responsibility. There are three main situations: 1. The bank does not need to bear responsibility, and the burden of proof lies with the plaintiff. Second, the bank bears most of the responsibility, and the plaintiff itself bears a small part of the responsibility. Third, the bank should bear full responsibility and the burden of proof lies with the bank. In summary, if the individual has fulfilled his duty of care and the bank should be held responsible, the bank can be sued.

Legal basis: Article 7 of the "Regulations of the Supreme People's Court on Several Issues Concerning the Trial of Bank Card Civil Disputes" occurs when a counterfeit card transaction or an online transaction occurs. If the legal relationship of the card contract requires the card issuer to pay the principal and interest of the stolen deposit and compensate for losses, the people's court will support it in accordance with the law. If a counterfeit card transaction or an online transaction occurs, and the credit card holder requests the card issuer to return the principal and interest of the deducted overdraft, liquidated damages and compensate for losses based on the legal relationship of the credit card contract, the people's court will support it in accordance with the law; the card issuer requests the credit card holder to If the cardholder repays the principal and interest of the overdraft, liquidated damages, etc., the People's Court will not support it. In the first two cases, the cardholder is at fault for failing to properly keep the bank card, password, verification code and other identification information and transaction verification information. If the card issuer claims that the cardholder bears corresponding responsibilities, the people's court should support it.