That's the probelms with the banking system. They nickle and dime you for profit but do very little to make it more secure. Checks are outdated and can be easily printed with someone elses routing numbers. Debit cards have their own security issues as indicated in this article and if someone finds your pin you're liable for the loss. Their new cards that you just wave in front of a sensor to transmit the banking data can be stolen by someone with a hacked sensor in a dufflebag that bumps up against your wallet. As someone else has mentioned, it's probably best to use a credit card (as long as you pay it off monthly) since if it's stolen or falsely charged to, you have a better chance of getting your money back. The two accounts is a good idea too.