I have/had (sorry) had a checking and savings accounts. I drained them. However they always asked me if I wanted a Debit/credit card. I always told them NO. I simply would drive by my bank on Friday and go inside, fill out a withdrawal for the amount I needed for the week, and go pay my bills WITH CASH. This way no one could steal or me misplace/lose any card. They knew I showed up in person to withdraw money so no one could hack my accounts on line. It is much safer to do things the old fashioned way, in my opinion. Besides, I prefer it this way. If I wanted something on line, I simply got their address and sent them a money order. If I couldn't get it that way, oh well, you never miss something you might never have had. Case closed.