Dang, I hate it when I miss a technicality. DonB is 100% correct that if your debit card is not stolen or lost, just your "numbers", the liability protections are the same as with credit cards. DonB was nice enough to school me in private. I should have just made my objection about debit cards on the fact that the money stays in my bank account with credit card fraud as well as read EZJim's post as carefully and correctly as DonB did.
Charm