>My recommendation: Have 2 accounts when it comes to cash. Have everything deposited into one account and transfer money into the 2nd account only as you need it. Use the card for the 2nd account, not the 1st one only.

I've got my bank doing this right now. Two cards, different numbers tied to each account, but I can transfer between them. Paycheck only goes into the main one, and I only use the secondary one for charges, etc. Great idea to minimize the risk. Thanks!