For those that need a bank STX

I have never had a debit card in all the years I've lived here. Too many scams.

Then you don't have credit cards either? I got rid of credit cards well over 20 years ago but the debit card is an essential for me and I've never had any problems with it.

I have a MasterCard and Amex because they protect you 100% in cases of fraud whereas debit cards do not, hence the reason I don't have a debit card.

Makes sense!

Do any of the banks offer an online bill pay service? Thank you

Yes

I have never had a debit card in all the years I've lived here. Too many scams.

Then you don't have credit cards either? I got rid of credit cards well over 20 years ago but the debit card is an essential for me and I've never had any problems with it.

I have a MasterCard and Amex because they protect you 100% in cases of fraud whereas debit cards do not, hence the reason I don't have a debit card.

There is fraud protection available, but you need to react quickly:

With ATM or debit cards, you must act quickly in order to avoid full liability for unauthorized charges when your card is lost or stolen. Under the federal Electronic Fund Transfer Act, your liability is:
•$0 if you report the loss or theft of the card immediately and the card has not been used
•up to $50 if you notify the bank within two business days after you realize the card is missing
•up to $500 if you fail to notify the bank within two business days after you realize the card is missing, but do notify the bank within 60 days after your bank statement is mailed to you listing the unauthorized withdrawals, or
•unlimited if you fail to notify the bank within 60 days after your bank statement is mailed to you listing the unauthorized withdrawals.

If you can convince the bank that your notification failure was due to extentuating circumstances, it must extend the notification timeline for a "reasonable period."

But I agree, I typically only use credit due to the secure feeling I get if I ever lost it and its not tied to my personal bank account.

Plus, debit cards dont give me AA points.

my debit card has always had fraud protection

my debit card has always had fraud protection

My first one issued a long time ago didn't but now it does. Between the pin # and the security code, I doubt the information would be any easier to steal than a regular CC.