> By using a debit card, you’re moving money over the relatively secure Visa or Mastercard rails, rather than over the ACH rails. Well... Someone who has your

> By using a debit card, you’re moving money over the relatively secure Visa or Mastercard rails, rather than over the ACH rails. Well... Someone who has your Debit card number and expiration date can remove money directly from your checking account just as someone who has your routing number and account number can. I never use ANYTHING connected directly to my checking account to pay, unless it's the only option. There are a few things I need to pay with a check, but I see literally zero reason to use my debit card. My credit cards are accepted in all the same places and they provide me with more protection (in the sense that there's a buffer between them and my cash - even if I get reimbursed for fraudulent debit usage, the money is gone from my account for some period of time, allowing checks to bounce and other bad things to happen).