I am a member of a larger credit union here in Spokane and about a month and a half ago they called me to verify a $.50 charge on my debit. That's fifty cents, not $50! Seems the internet charge came from somewhere in Europe and that whoever had somehow gotten my debit card number was out 'fishing'. Seems 'they' will do a small charge via internet and then if it goes thru 'they' will really start doing their shopping! The bank sent me a new debit card immediately. I was lucky this time!