[SZonian]

"...how many of you had your bank account drained...?

Never.

"...how long until the bank restored your balance?"

Irrelevant.

"And if your balance is small, how do you make reservations, purchase from etailers, etc?"

American Express CC.

We use Debit Cards for daily and small purchases, CC for others that require them like renting a car, but only rarely.

We have separate "checking accounts" with a Debit Card for each that are tied to the primary account with $$ transferred from the primary account to the sub-accounts.

So we have 3 Debit cards, wife's, mine and the primary...Credit Union does a good job and we also exercise due diligence in "firewalling" our funds from outside pillaging...

[freedumb2003]

>>”...how many of you had your bank account drained...?
Never.

“...how long until the bank restored your balance?”

Irrelevant<<

Not much point in reading your non-answers. “Never happened to me”<>”irrelevant”

>>So we have 3 Debit cards, wife’s, mine and the primary...Credit Union does a good job and we also exercise due diligence in “firewalling” our funds from outside pillaging..<<

1) You THINK they are firewalling. Since you haven’t been attacked (by your own admission) you have no idea how well protected you are (althought this thread is replete with information on how you are not).

2) And this is better than a credit card, how? I just put stuff on a CC and that is it. Seems easier to me. And definitely safer.