You've probably heard about the recent massive data breach at Hannaford supermarkets. Someone apparently compromised the POS terminal system and stole as many as 45 million credit card numbers.
Citizens Bank knows, of course, that we've shopped at Hannaford within the last 30 days. They "have no indication" that our cards were among those compromised, or that the card numbers have been misused. But they didn't wait for us to have a problem. They automatically issued us new cards, just in case, and emphasized that we have zero liability for unauthorized transactions.
Now that's how a bank SHOULD watch out for its customers.