Today, we got great advice from a bank teller. She noticed that we had an account that allowed us to open multiple accounts without charge, so she suggested that since we use debit cards a lot, we should open a second checking account tied to a new debit card in addition to the one we currently have. So, through electronic transfer, we can fund the "everyday" card from the primary checking account. If the everyday card gets skimmed, then the potential loss is limited to the low balance.