Even though the different transactions on a debit card may have the same legal status by law, banks typically apply "zero liability" to transactions processed by Visa/MasterCard, while holding users accountable for fraudulent debit transactions processed by ATM networks, up to $50 if you report within 2 days, then $500 within 60 days, and then unlimited customer liability after that.
There is no benefit to me to go with a debit transaction and the risk of significant liability if there is a data breach. So, I don't do debit transactions.
