[Ken H]

Why not just open a separate checking account at a bank, and use the debit card that comes with it for everyday purchases?

Just keep the balance low and transfer money from your main checking account as needed.

[itsahoot]

Why not just open a separate checking account at a bank, and use the debit card that comes with it for everyday purchases? Just keep the balance low and transfer money from your main checking account as needed.

Wells Fargo encourages you to do that already. They open a separate account that you must move money into from your primary account, so your main account is never at risk.

[sheana]

Can’t do that anymore. Because of some ‘Act’ you can only transfer money between accounts 6 times per month and then they start charging you for it.

[jeannineinsd]

Why not just open a separate checking account at a bank, and use the debit card that comes with it for everyday purchases?

Everyone can't get a bank account. Banks can refuse to open accounts for individuals with a negative Chex report.