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i use my debit card for every thing from every day stuff to buying tools on ebay.
but i still carry cash $20.00-to $80.00 plus a $20 hidden away so if im stranded and need cash i still have some.
I've always used my debit card for everything. Starting to get away from debit and using the Discover card instead. Tired of having to take out all the debits from the checkbook. Easier to make one payment.
I have paid my bills with a telephone service since 1979. I can do it online also but the wife is used to punching in a few numbers with the telephone service. There is no debit card on that account tho just in case someone ripped it off with my PIN number. If some card reader makes a mistake and charges something to my account my bank would be responsible for the error. That CAN and does happen!!! My kids use debit cards on small accounts where they keep their "spending money" they earn. I use a couple of credit cards for purchases and pay them off every month. Never let a balance go! I carry a small amount of cash for purchases also and only use the ATM at the bank with my bank card (not a debit card). I did use a public ATM once, saw the charge, and never did it again.
The banks keep giving me debit cards and I never activate them. I use my ATM and credit card all the time. If someone stole my debit card they would have access to my checking account without the protection of the credit card or the security of the ATM. I had my wallet stolen and the guys stole over $40,000 worth of stuff using my name. I'm only out a lot of time, because I didn't have a debit. With it, they could have easily cleaned out my account.
I always use my debit card. Especially for gas, since I can swipe the card, start it filling, and then drive away when I am done. I hate waiting in lines at the gas station. lol My bank also lets me use the ATM 4 times in a month, without charging me for the service charge. So if I use a TCF ATM, they will cover the service charge for me. Its a really nice thing my bank does.
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