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I only have a debit card. I use a credit union and i have my main funds in the second savings. Net access to the account is safer to a degree as you don't type in your passowror, a little moving numberpad pops up and you have to use your mouse to access it, and the numbers are in a different place each time.
That said, someone did try to access it from Czechoslovakia, naturally there were insufficient funds as I only transfer money when I am ready to pay, but the CU realised and suspended my card and contacted me and I got a new card.
Annoying and worrying though.
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