Debit cards are considered to be a more safe alternative than credit cards, since they eliminate the risk of spending more than you are making. However, debit cards have their own set of risks that must be carefully considered before use. Here are some important facts about debit cards:

1. They are Riskier: Legally, credit card liability is limited to $50 and disputing money you owe a bank is easy since you have the money. Debit cards, however, are a different story. It can take banks 10 days or more to investigate for refund your money. More, debit card liability is set at $500 by law with the condition that you notify the bank in 60 days. If you fail to notify the bank, you could lose everything plus your maximum overdraft line of credit. And worse, you are fighting to get your money back - which is an uphill battle.
   
   
2. They are Costly: Debit cards make banks a lot of money. Credit card companies charge the merchants fees to use them, but debit cards also charge a transaction fee to you. There are also some banks that charge a monthly card rental fee and PO fees. They can charge the merchant too if you use the card with a signature!
   
   
3. They are Blocked Occasionally: Some firms regularly block a card in advance for the estimated cost of the trasnaction that may not be completed for several days. This isn't a problem for credit cards since they have lines of credit, but it can hurt your checking account if it comes unexpected.
   

What can you do about all of this? Well, the best solution is to only use your debit card or in-person transactions. Using debit cards online is risky and can open you up to potentially unlimited liability. You may also want to request an ATM card instead of a debit card as they can be much safer. Also, make sure the card is swiped in front of you since some card skimmers can illegally steal your card at restaurants.