A good tip I learned from a banker

It's a good idea to have a 2nd checking account with a debit/cash card and a small balance.  This is the card to carry to the zoo, a bike ride, etc.  It's also the card to use when ordering, say, pizza, where you wonder if they are writing down your number somewhere, and if they are safely disposing of the number.

This way, if someone were to get a hold of the card or the number that person has access to maybe $100 or $300 or whatever you keep in there, rather than the amount you keep in your regular checking account that you may use to pay all your monthly bills.