I have an On Point Credit Union account I opened exclusively for their foreign currency exchange rates a year ago. I recently added a checking account to it so that I could also get a debit card. I can transfer only the amount I need monthly for a current debit deduction, limiting my exposure to less than $200 for a few days a month if there is a data breach with access. This is the simplest, cost effective solution I could establish for security and ease of use. They have mobile photo deposit and I can walk to 2 different branches in less than 10 minutes each, so I cannot imagine making it any easier or safer.