Don't forget that your debit card may allow you to access money that you have set aside to cover a check which has not cleared your bank yet. Just as your money may be stolen and your credit cards may be lost or fraudulently used, a debit card may be lost, stolen, or used without your knowledge. As a cardholder, you need to know the extent of your protection. Neglect to notify the bank of the theft within 60 days after a bank statement is sent, and you could lose everything in your checking and overdraft accounts. Check with your financial institution about your liability.
Many issuers offer consumers better protection than what is required in government regulations.