> Every dollar in your Point Bank Account is insured by the FDIC up to $250,000, and unauthorized charges are covered by Mastercard Zero Liability protection.
And Mastercard offers the same protection for both debit and credit card products.
Ironically those protections were pushed for by the CC providers in the 1960s to encourage use of CCs. Now that CCs are ubiquitous, banks are pushing debit cards because they don't have those protections.
It's quite painful trying to get an ATM card from your bank that isn't also a debit card. Doable, but in my experience hard.