They most definitely are. What Georgia and Bobcat said is spot-on with reference to debit cards according to our banker here at home. And worse yet if you have both your checking and savings accounts tied to the same card as most people tend to do. It's potentially a whole lot of exposure. <img src="http://www.traveltalkonline.com/forums/images/graemlins/handshake.gif" alt="" /> <img src="http://www.traveltalkonline.com/forums/images/graemlins/handshake.gif" alt="" />