If you are using your debit card, you need to get a credit card. This way, when a skimmer or thief manages to get your card number they can’t drain your checking account. They take the banks money instead. You won’t be broke while the credit card investigates. I learned this the hard way after my checking account was drained twice by thieves. Debit was likely skimmed once at LaGuardia because my checking was drained while i was on vacation and once more at gas station. Never use debit/credit at the pumps by the way. Always go inside. Skimmers love putting their devices on the pumps. I use credit for everything these days, and if I MUST use my debit I have a separate, fee free online checking account that I only keep a hundred or so in. If a skimmer grabs that card number, they aren’t getting much money. If opening another checking account or getting a credit card aren’t options, most banks have toggles in their apps to turn your debit card on and off. Keep it off until you are about to use the card yourself.