Keep a savings account linked to your checking account and put money in to it when needed. Keep the balance relatively low. That’s if you HAVE to use a debit card. It is better to have a credit card with the same bank so you can transfer money from your checking account to the credit card. That’s just s press of a button.
I did some of this months ago after someone used my debit card to buy several online gift cards to Nordstroms. My bank caught the scammers immediately but it was a pain. I had to get a new debit card plus they jacked 5 figures out of that checking account.
My advice is to NEVER use a debit card for online purchases. NEVER. Always use a credit card.
You can set a cap on non PIN transactions (treating it like a credit card) by contacting the issuing bank. I wish I had 5 dollar figures right now to worry about, count your blessings, but no way could anyone jack more than a few hundred from mine before I could get it corrected.
Always use a credit card.
....and a dedicated $500 limit card at that