Mostly the bank needs to review the controls in place and establish a process that more quickly detects changes to account / system authorizations.
Couple years ago we had a warning of a big winter storm coming to our coastal community. I went to the ATM and gas station. When the storm hit the ATM’s and gas stations went down for a couple days. I had gas for car and generator and cash. Relief helicopters could not fuel up at the airport because their pumps didn’t work either.