I instead opt'd for Yodlee () which is the engine behind Mint but works for Canadians (but without all the social network aspects/features). is very nice website and too bad it doesn't work for Canadians. by swiping through those hacked ATM) - the bank's insurance policy doesn't kick in until you report loss. The same goes for people whose debit card was "copied" (e.g. In the event that someone got into your banking account and conduct transactions without your knowledge, you are pretty screwed unless you can prove it wasn't you who did the transaction.
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I have to disagree with Scott's point about bank's ability to reimburse you for money withdrawn by people who stole your debit-card - that is only limited to transactions taken place after you reported the lost of the card ( ). I am not saying not to use, but it is certainly reasonable to ask these questions.
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Banks have deep pockets and even the government has a vested interest in making sure the banks stay afloat. Even if someone steals your debit card and drains your account, you will usually get all your money back. The bank is a regulated company with insurance to back up your money should they make a mistake. Take a service like compared with your bank for example. I think a lot of people would respond with something like "you use bank machines and online banking, don't you?" That is the same reason I hear people supporting voting machines and even online voting, but the problem is that there are significant differences.