My bank issued me a debit/ATM card by default. I asked, and they replaced it with a plain ATM card that's not a debit card.
They also had this insecure-dy-default behavior allowing checking account overdraws to start pulling out of savings. It's worth checking that setting, too.
I was interested to read in the comments on a different topic that businesses typically have a deposit-only account, a withdrawals-only account and an account in the middle.
As a family, we set up an extra account at Schwab to write checks and do automatic payments against. There wasn't any additional cost to us - having some money sitting in the account is hardly worth worrying about with what Schwab (or anyone else) pays in interest.
The big benefit to me is that the account doesn't have over-draft protections. I have to manually move money into the account from a different account where paychecks, etc. go into. That account can't write checks, etc.
If our account is compromised, well, we lose (temporarily, I hope) what's in there but not the cash that accumulates to pay for property taxes, etc.
ATM vs Debit/ATM is a good call, I will try and switch my current debit cards.
Overdraw protection is tricky. For example Ally offers it for free for me. If I really did accidentally overdraw my checking, I would want it sucked from my savings. However if someone stole my Ally debit, I would not want both my checking AND savings drained...
With credit it's he bank. Fine show my account balance 4k high, I refuse to pay my bill.
Same thing with debit and it's my cash missing, and I need to go through a dance to get my own cash back.
In fact just had a CC stolen last week. No harm to me because I wasn't holding the burden.
I refuse to use my debit card for anything but at an ATM.