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Schwab has been very good at fraud detection. My card has been skimmed a couple of times and every time Schwab detected the fraud and denied the charges. That said, I use the card in a very specific manner, is I only transfer money into the account to use for my trip. That way, the card isn't tied to my real bank account. Second, and this is crucial, lock the card and unlock it only when you're using it. Getting skimmed taught me to be diligent about keeping the card locked. That way, even if someone does get my card info, it's highly doubtful they'll be able to use it in the five minutes or so the card is active.

Hmm.. perhaps our cards are different here. I'm not sure what you mean by locking your card. Mine only works with a pin, and perhaps with tap up to a relatively small limit.

Open the app on your phone. Select More->Client Service->Manage Cards. You should see an option to lock or unlock your card. If your card is locked it can't be used as transactions will be blocked.

Used my debit card at a pharmacy in Cancun and they cloned it and withdrew $1,000.00 from my bank account The card never left my hands and I have a $1,000 limit So they got all they could get

Any idea how they got your pin number. Sometimes its a camera near where you enter the info on the keyboard, other times its a rigged terminal or software on the terminal that intercepts your keystrokes before they are encrypted...

It sounds like the thief just did a "run debit as credit" transaction, which bypasses the need for a PIN.