I don't open/look at my banking account often, mostly just once or twice a month to schedule paying my bills. Because I'm expecting a reasonably sized deposit and I had a couple of minutes with nothing to do I opened the Bank account to see if the deposit had been made. It hadn't but there was an interesting debit from a California Harbor Freight for $272 USD and change at the top of the statement. First problem: I'm in Tucson, second problem; I don't buy crap from Harbor Freight.
I called the bank, fast response, no permahold and they put a stop on my Debit card and started the process of issuing a new one. All that is neat and good but here is the kicker: they can/will do nothing about the charge until it finishes processing, it other words the money is taken from my account. That sucks, not so much because I will lose $272 USD during the dispute phase but the fact that it has to go through the dispute phase before it is returned. In addition it requires another phone call to the bank in a couple of days when the withdrawal has cleared to dispute the withdrawal.
Here is the bottom line: I will never use a Debit card again. While that doesn't eliminate the chance of the card being hacked it will or should decrease the odds of it being hacked. From now on I will use a credit card for all the things I've used Debit cards for up to this time. With a credit card if it gets hacked, the charge or charges are removed and that is the end of the story plus there is a very active watch by the bank for fraud. As a side benefit there are miles/cash back on credit cards that are not on Debit cards. I should have done this long ago.
Be careful out there, hear and check your bank statement often.