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With a debit card, your money instantly disappears from your checking account.

Because of that, even clear-cut cases of fraud where victims are protected from liability by consumer protection laws can cause significant hardship, says Frank Abagnale, a secure-document consultant in Washington, D. Maxx data breach that exposed the payment information of thousands of customers in 2007.

C., and subject of the popular film "Catch Me If You Can."He cites the example of The TJX Cos. The incident resulted in 0 million in fraud losses, and most of it was pulled directly from customers' bank accounts.

While debit cards and credit cards may look the same, there's a major difference.

If you spot unauthorized charges on your credit card bill, you can alert the company, decline the charges and not pay the bill, keeping your money safe.

There's a good chance you'll be using your debit card for travel, gift shopping or going out with loved ones.

But especially with the uneven implementation of chip card systems, there are still risks involved with debit card usage you may not be aware of.

Next, the payment network sends the purchase info to your bank for authorization.

The bank verifies and checks that you have enough money to make the purchase.

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You shop, you swipe your debit card and your account info is off to make quite a few stops.

First, the reader at the point of sale decodes the debit card data.

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