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I also will not use a visa/mastercard debit card. My bank sent me one instead of the standard atm card a few years ago. I had to argue with them to get it cancelled and get a regular atm card again. I feel much safer with a visa/mastercard/amex credit card where they are out the money during investigation instead of me. I don't keep much of a cushion in my checking account because there is no interest but there is no fee either. I keep my money in a savings and transfer to the checking as needed.

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