Aren&#x27;t checks an anachronism in the US yet? I&#x27;d have thought bank transfers would have been more widely adopted in the US by now.<p>I tend to use my debit cards more than credit cards. I&#x27;ve occasionally had to make chargebacks for fraudulent use and there&#x27;s been no perceptible difference between a credit card chargeback and a debit card chargeback. The bank does the job equally well no matter the type of account. It&#x27;s all fairly seamless and has always been done quickly by phone.<p>The biggest risk I foresee is losing my wallet, not a fraudulent transaction. That&#x27;s why I have two wallets with two set of cards, so I can easily failover to that wallet while replacement cards are being generated.<p>The only interesting event that the bank couldn&#x27;t&#x2F;wouldn&#x27;t fix was the time when Best Buy somehow auth&#x27;d my card dozens of times in a row for a reasonably expensive laptop. They managed to reduce my available balance far, far into the negative. Obviously they were just authorizations, not final sales, so the money never actually came out of my account, but it was interesting how my bank was happy to let me go many thousands overdrawn and their fraud systems didn&#x27;t kick in at all. That card was useless until the authorizations dropped off the account.