I use my debit card and credit cards almost interchangeably. It depends on what I'm buying or paying for, and where I want the money to come from.
I do NOT use my debit card at a 'pay the waitress' restaurant by putting my card in a vinyl wallet she leaves on the table and then she will carry it to the back room for 5 minutes.
But otherwise, they are one and the same for Wells Fargo accounts. Wells Fargo provides the same protections for either type of card for personal use.
Most US banks probably offer the same protections, its right on the websites under security and privacy info.
I have had one issue with a WF ATM/debit card in the last 25 years and it was resolved with one phone call and all my lost money was refunded immediately.
Now...you want my opinion about Chase Bank Credit Cards? They SUCK.
I had a fraudulent transaction happen a few years ago and after many calls and lots of time on hold over a FOUR MONTH time frame, they finally refunded to me the $75 I lost.
The Thief? An unscrupulous motel OWNER at an Americas Best Value Inn in Abilene Texas. The company headquarters in Florida were NO help either.
So, HUGE
Thumbs Down to Chase Bank and America's Best Value Inn.
Sternwake said it well:
Chase and Best Value: Rot in Hell.
(mods please let this post sit here for awhile before deleting...it might help someone)