text: Open a checking account separate from all other accounts. Do not link it to any of your accounts for overdraft protection! Get a check card with the Visa symbol for that account.\n\nWhen you plan to purchase something via ecommerce, transfer the necessary funds into the account, then use your debit card for the purchase.\n\nI have had 3 fraud attempts to my account over the years, but the charges could not be completed because the funds were unavailable.  The bank called me, and each time we confirmed that it was an unauthorized use of the card number, so the card was canceled and reissued.\n\nIt dis not affect any of my other accounts and I have not lost anything...yet.