Debit Cards versus Credit Cards

My Debit Card has the same protection as a Credit Card. My bank US Bank

OK, but if the debit card was compromised and your bank account emptied, how long are you willing to wait to get the money back? Do you have a backup account if needed to tide you over? A compromised credit card doesn’t affect your bank account.

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Agree completely. I asked my bank for an ATM only card-- I don’t trust debit cards, and use credit cards separately from my bank account.

Read this:

I know how to budget. Use Credit cards and pay them off in full.
Your question was
Inane to me.

Try looking up US Bank.

Aw c’mon Patty! You are welcome to love your bank. That’s fine.

The debate, as you have stated, is about protection for a debit card “same as” for credit card.

Now if you think it is, go find and post the verbiage from your bank saying that a charge on your Fake Mastercard (as Clark fondly calls them) does NOT come out of your bank account. We don’t think you can find that; indeed it DOES come out of your bank account.

Now we hope it does not happen to you, but if someone should get your card or your card number and zero out your bank account, what do you have to go thru to recover your money? That is where the difference is: With a regular credit card, you simply notify bank that charge was bogus. They take it off and you don’t even see the bill, let alone pay it. An empty bank account is a whole different monkey.,

This is my broad opinion. Go search out support for my broad assertion if you want. Anyone who asks for clarification with me is attacking me.

–OP, probably (hard to tell when posts are deleted)

From US Bank website:

" Zero fraud liability – U.S. Bank provides zero fraud liability for unauthorized transactions. Cardholder must notify U.S. Bank promptly of any unauthorized use. Certain conditions and limitations may apply. See the Electronic Banking Agreement section in the Your Deposit Account Agreement for details.

From agreement document:


Zero Liability for Transactions. Except as provided in the next paragraph, you are generally protected from all liability for unauthorized use of any of your U.S. Bank Debit Cards, the associated account numbers printed on them (including purchases made over the phone, online or in the U.S. Bank Mobile App) and your ATM card or its associated personal identification number (PIN). You still need to report the loss or theft of these cards, PINs, and any unauthorized transactions to us as soon as you can. This is necessary so you can get any unauthorized transactions reversed, prevent further unauthorized transactions, and avoid liability for subsequent purchases we could have prevented had you given us notice. This policy also protects you from liability for other types of electronic fund transfers. Please follow the section entitled Error Resolution Notice to report any unauthorized activity on your account.

I still wouldn’t use a debit card linked to my main checking account… but that language isn’t terrible.

Not liable is one thing. Having to wait some totally non specified length of time to have the money restored to your account is a whole different thing. Your account gets emptied on Monday and the mortgage is set to pay on Tuesday, you just might have a problem.


Yes, only use a debit card on a separate little checking account, not your main account.