>If you use a debit card, go to your bank and have them turn off the "feature" that lets you overdraft (and get charged a $35.00 fee each time).
Better yet, have them issue you a new card that is only an ATM card and cannot be used without furnishing the PIN. That's what I did back in the 90s when "check cards"† were first introduced. I phoned the bank and asked if the Visa logo meant the card be used without a PIN. When they said yes, I told them to close the account. Instead, they said not to worry and sent me an ATM-only card in the next day's mail.
I use my ATM card for banking only. Everything else goes on my AX (or DS or, in extremis, MC or VI).
Better yet, have them issue you a new card that is only an ATM card and cannot be used without furnishing the PIN. That's what I did back in the 90s when "check cards"† were first introduced. I phoned the bank and asked if the Visa logo meant the card be used without a PIN. When they said yes, I told them to close the account. Instead, they said not to worry and sent me an ATM-only card in the next day's mail.
I use my ATM card for banking only. Everything else goes on my AX (or DS or, in extremis, MC or VI).
†https://www.usbank.com/checking/us-bank-visa-check-card-debi...