>>To me it boils down to liability and who holds the money while disagreements are being settled.
>
>Agreed
>I never saw the value of a debit card.
>In addition to the reasons you cited, I get an interest free loan for a month and have the convenience of not carrying cash around.
Not to mention 2% back on groceries and most major stores, 3% back on gas and 1% on every thing else. I may be trading in my current USAA visa. They offered me 2 1/2 % on all purchases if would open a checking account and have at least a $1000/ month direct deposit to the account.