Forum Discussion
Ralph_Cramden
Apr 06, 2018Explorer II
afidel wrote:drsteve wrote:free radical wrote:
I use debit card for almost everything,,but to be safe I set up email allert to get notified every time I use it..
Then just log into my acount to see the balance left..simple and easy..
I use a credit card instead. If someone steals your credit card number and makes a bunch of fraudulent charges, your credit card company has a problem. If someone steals your debit card number and drains your bank account, you have a problem.
Exactly, when they came out with the Visa debit cards I ignored them until one day a new card showed up unrequested and it was one of those. I called my bank and asked for a new ATM only card, they said sure, that will be $5/month. I told the wife to just never, ever swipe the bank card. I would have switched banks but every bank with more than a handful of ATM locations around here has the same policy. I love my credit union but ATM availability is their one weak point even with the network of credit unions they are part of. That reminds me, when traveling their network might actually be superior to my regional bank, should ask them for a card to access the savings account.
If you're that paranoid you had better get some mason jars, withdrawal your funds, and bury them in the yard out back. Lots of misinformation in this thread based on opinion. If you're being held liable for fraud committed against a debit / check card, that's instituted by your bank of choice whose name is on that card, the card issuer, or both. Get another bank or card.
Visa's Zero Liability* Policy is our guarantee that you won't be held responsible for unauthorized charges made with your account or account information. You're protected if your Visa credit or debit card is lost, stolen or fraudulently used, online or offline.
Visa's Zero Liability Policy does not apply to Visa corporate or Visa purchasing card or account transactions, or any transactions that are not processed by Visa. For specific restrictions, limitations and other details, please consult your issuer.
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