Very true. I use my debit card for the sole purpose of making sure I can meet requirements to get the 2% interest rate on my checking account (one of the requi

Very true. I use my debit card for the sole purpose of making sure I can meet requirements to get the 2% interest rate on my checking account (one of the requirements is $300 in purchases linked to a card with the bank, of which my debit card is the only one). Other than that, I have PG&E linked directly to the account, because they're so far behind the times they either can't accept credit cards or charge a fee for doing it (I forget which). The only other things that touch the account directly are my actual credit cards, and the site I use to pay my rent. I wouldn't personally go so far as reporting my cards stolen once a year, but I could increase the security of my setup by having a checking account that all the things I just named access, and then having a second account that holds all my excess reserves, and transfer from the real account to the public account when things need to get paid. Unfortunately, that negates most of the benefit of having things on autopay, like I do now. Besides, my bank actually treats my debit card the same way as the law treats credit cards (it's either max of $0 or $50 liability, I forget which), so it's entirely not worth it for me to go to these lengths.