Update: never had issues with fraud until using my capital one debit card... Free checking is nice, but... banks are crooks. First experience with this account was having to wait 5 days for my money to transfer over from my credit union. For that time period, the funds were completely inaccessible to me and the hangup appeared to be because capital one decided they get to hold my money for x amount of days. Take your finances into your own hands. Learn about crypto and get a hardware wallet.