Debit card account fraud is on the rise. And unlike credit card fraud that you can dispute before you have to pay the bill, debit card money leaves your account right away. And you have to fight to get your own money back. Unfortunately, it’s now taking longer and longer to get that money back.

There are 4 places you should beware of using a debit card at all costs:

• Independent ATMs – You run the risk of skimmers. While skimmers can be found on bank ATMs, they’re less likely because there are often security cameras in place.
• Pay at the pump – Skimmers aren’t the only danger to your wallet. The gas station will put a big hold on your account that could cause your checks to bounce. If you must pay with debit at gas station, go inside and pay at the cashier.
• When you’re buying online – Credit card is a much better option. If you don’t get your merchandise, you can do a chargeback during a 60-day window.
• At a restaurant – Because there is such high turnover at restaurants, you don’t want a dishonest employee to get hold of your digits.