Debit is actually terrible and I've never used it. If there is an error, it your money that is gone until it's fixed. Slightly related, I never allow direct de

Debit is actually terrible and I've never used it. If there is an error, it your money that is gone until it's fixed. Slightly related, I never allow direct debit from my bank account for things like utilities. It's blanket permission to take money they think they are owed. A friend had a problem with his electricity, the public utility came out, said the meter was tampered with, replaced it and charged him $1000 right from his account. Of course they were wrong. He got the money back, two months later.