I hate thieves

[Graves]

Hey, Dav, did you have your text alerts active at the time?

[davsel]

Hey, Dav, did you have your text alerts active at the time?

Negative

[Skip]

My checking and savings at one bank are both tied to the visa debit/ATM card.

That said, the card gets used ONLY at my bank ATM and for nothing else. No online transactions, no gas pumps, etc. I also have email alerts for ANY spend and daily limits on both accounts.

IMHO, using a bank atm/debit card is just asking for a hassle when, not if, you get hit. Use a no-fee rewards/miles CC and pay it off religiously before interest kicks.

Freeze on all credit bureaus, try to use two factor auth where possible (but I'm often lazy and just have SMS to my cell.)

They might get me for a little for one day, and I've had CC hacks, and even my tax return last year, but never my bank accounts (yet perhaps), and I can accommodate the lack of funds for a few days or a week until resolved.

The tax return thing sucked aas I had to paper file and then also send ID theft documents into the IRS. Lady told me EVERYONE will be getting PIN mailed to home address from now on and no PIN, no file. I suppose next the damn theives will be trying to steal more of your mail.

Using a CC is so smart, I can't even begin the count the ways.

I don't even use ATMs anymore. I go into the bank and withdraw cash from checking and checking only. They do a good job verifying it's me every time. My checking has overdraft protection that goes against a CC just for that reason that is not used for anything else. So my savings should be protected but one always wonders.

I still check the accounts every day.

I use the Citi 2% MC for everyday stuff. My wife and I have the same card, I pay it off each money (according to budget). I have no other accounts at Citi.