I don't like leaving my card inside due to fraud, and they don't like folks using stolen cards where they end up not getting paid for what was pumped, so they want you to leave, and also impose caps on how much you can take out. My Credit Union Debit Card is protected from purchases the same as a Credit Card, I guess a perk of Credit Unions? Had fraud transactions in the past, all it took was a call to stop them, and a visit to the Credit Union to sign some documents, money returned, new Debt Card issued. Human Nature is we protect ourselves, and theirs is to protect their business. I have a Flying J card and that solved the problem, both are protected.