Oh man, that sucks Wally, I'm sorry that happened to you. I use equal amounts debit and cash. I always use my debit card as a credit card. I use it in all the same places, so if anything else ever showed up, I, and my bank, would know immediately that it wasn't me. They have called me before when they noticed unusual actions on my account, and it wasn't even for that much money, but they called me anyhow just to make me aware and make sure it was indeed me, and not someone else. I like my bank. They even call you and let you know if your account went negative incase you weren't aware. All banks should be like that. The only downside, is if you do go negative, you get a $35 fee, and then an $8 fee each day after that until you make it right, That's my only complaint. They have sooo many ATMs around town that I rarely get feed for using them. So all in all I like my bank, and I feel fairly safe banking with them.