Just get rid of that debit card and get a no-fee credit card. There is nothing good about debit cards at all. With a credit card, there's no way that a hacker can directly access your funds, you can contest any fraudulent charges. You can get an ATM-only card for withdrawing cash, that's what I have (although PNC charges a small annual fee for this). But I agree, you need to have more than one bank account, just in case.