All of my bills get paid by check written from home. I never carry a checkbook. Use one credit card only (and pay it in full EVERY month), and use the debit card as little as possible. It is getting harder to get by without a debit card as many gas stations will not take a credit card. I do not pay my bills on line and do not permit automatic deductions from my credit card. A recent study showed that 70% of all identity theft victims paid their bills on line. Now that might just be a coincidence...and it might not. Call me Amish but I will keep writing checks and trying to figure out all of these damned extra button thingies on the computer. (o;