I had $4000 stolen from my bank account via a compromised debit card. The charges were reversed the same day. The bank is still liable for fraudulent transactions if you didn't authorize them.
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.
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.
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.
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...
So worst case you are without a small amount of money during any dispute/fraud resolution period, but your major regular ACH payments are not at risk.
The downside is having to monitor your balances closely and transfer funds more often (which can sometimes involve a fee but if you shop around you can find banks that don't change a fee for inter-account transfers).
Works well.