It&#x27;s been years since I&#x27;ve used any debit card. I&#x27;m scared to use my debit card, preferring a credit card in almost every case. The one exception is when I need to get cash from an account(and I tend to just visit the bank in-person for that, rather than risk an ATM or grocery store machine  being rigged).<p>I understand that my credit card has very strong protections by law, since the bank has loaned me money and people do not have to pay back debts that are not theirs, the bank is at risk of losing money in the event of fraud.<p>Debit cards claim similar protections, but since my actual money was transferred I am the one at risk of losing money in the event of fraud. The bank isn&#x27;t as motivated to investigate my case, since they&#x27;re not at risk as much.<p>For a similar reason, I&#x27;m scared of checks. If you write someone a check, that&#x27;s enough information for them to drain the associated account. It&#x27;s free to query the bank to see &quot;Does this account have $X?&quot;, so a binary search will let you know the balance of any account on a check. Then they can withdraw it at any time. It&#x27;s especially bad for checks written against business checking accounts, since they&#x27;re not protected by consumer protection laws that allow for 60 days to find fraud but rather by the Uniform Commercial Code that only allows a single day to catch fraud. Do I really want to check on my bank account every single day? For now, I just live with that terror and only write checks to people big enough to sue. No SaaS app will ever get a check from me without me doing some restructuring on my bank accounts.