Being in the industry that I am in, I know a lot about what can go wrong with a debit card. I have many debit cards and they are all in the same place, a safe from the day they are received, never to be removed again. I have some ATM cards that I do carry for cash access at an ATM. Of course the only ATM card one needs is a Compass Bank ATM as it has absolutely no fees, rebates all ATM charges anywhere in the world and the checking account is totally free and comes with free checks for life. An ATM is an ok card to have but the debit card is only for people who cannot get a credit card IMHO. So if you want a debit card, there are three options:
1. Compass Bank (free everywhere and free checks for life)
2. Citibank (Thank you points so you do not have fees)
3. Airline Debit Card (just for the person who wants airline rewards and cannot get a credit card, just choose the program)