I posted this in another thread in HI but someone suggested it would be good in it's own thread: I've used credit cards for many years but never had a debit card and never will. I wondered why the bank in Little Rock was paying TWICE the going interest rate on savings accounts. Only requirement... have their Debit Card and use it at least 10 times a month. Had to be a catch somewhere and it sounded like the Debit Card. Go to this link and read about Debit Cards.