I have two accounts. One I use the debit card for on line stuff, local purchases at gas stations, food stores, etc. when I don't use cash, Paypal, all the crap where it gets exposed. Keep a minimum of money in it and can transfer money into it in seconds to cover anything I do. Gets hacked once in awhile. Bank catches it usually. Just how it is. The other, where all my direct deposits, checks, etc. go. has no exposure to online, local use, etc.