Well if you don't keep much money on your debit card like I did for mine, it will get hot-carded right away once it overdrafts and blows out the account. The scariest part is that I hardly ever used mine for anything. I couldn't even remember the last time I did. One day I get a phone call saying there's been some fraudulent activity in my account. Turns out it was some people from Mexico or some other weird foreign place. Surprisingly, it happened to some other people I know as well. Mine happened to be through VISA but all of them need to get their shit together. I'm tired of hearing about stupid overdraft fees and other bologna when people are stealing money out of accounts so easily. The system needs to be fixed bad and punishments more severe. I will never ever use a credit card or debit again unless I absolutely have to get one.