There is NO security out there
It is merely a game of CYA.
So, here's what you need to do.
Have separate linked bank accounts.
You need a primary and a secondary checking, and another for savings. Each checking account has its own visa/debit card. Put your paycheck in the primary and/or savings. Use the secondary for bill paying. The primary card can be used to access all accounts, the secondary can be used ONLY to access the secondary account.
Place money into the secondary account as needed to cover your bills and spending money. Use it for whatever. NEVER use the primary card except to control the money transfers at a mac machine in your bank. If you are foolish enough to use online banking, and use a windows box for that, all bets are off.
When your secondary account is nailed, get a new card for that, invalidating the previous card with minimal hassle. If you insist on setting up recurring payments, get an additional secondary account for those as well, but try to minimize the number of vendors you give it to since you will have to call them all and change it if that account gets nailed.