I have a checking account and a savings account.
I keep almost all my liquid funds in the savings account.
I only buy or pay online when the checking account is just marginally sufficient.
I now have checks again. I’ll do a transfer on Friday to put the checking account over $1000.
I never use my debit card, other than at the ATM.
I always pay by credit card. If fraud is committed with my card (it's happened), I'm not on the hook for the amount.
I would recommend using as few checks as possible, and avoiding mailing them.
Checks have your account number and bank routing number on them, key information for scammers.
My wife uses too many misc. checks, and I am trying to get her to break the habit. Do not write a check at the nail salon or spa.