I don't like debit cards. It's too easy for people to wipe out my bank account. I use a credit card for almost all transactions, and I pay the bill off every month. And I get bonus points (and cash back) for doing that. I don't like making deposits after hours, so I don't use it for that. I don't ever need it to identify myself at the bank (nobody ever asks me for identification at the bank - probably because whenever I go to the bank, it's to make a deposit) and I pretty much don't ever get money out of the ATM, so I don't need it for that. I suppose I would use it for ATM withdrawals if I didn't get my cash from JtS, who does make ATM withdrawals. But I hardly ever have any need for cash.