My situation with the cancelled debit card is better than last Christmas when they put a hold on the card – it worked some places but not others and for days I just assumed it was network problems because of high volumes.
Finally, I needed to make a deposit and went to the ATM because the drive up line had a car waiting. (I’m impatient.) The screen said I needed to call a number and refused the transaction. The bank was open, so I went in to ask what was up. They looked up my account. There was a fraud hold on the card because of “unusual activity”. I had to verify a recent $700 transaction valid. It was to my web host and had been billed monthly for at least the last 6 months. Why couldn’t they see that it wasn’t unusual? Why didn’t they call the phone number on the account to ask about it? What did I learn from this? Buy cheap. In thinking back, all charges under $50 went through while the hold was on. Only charges in excess of $50 failed. Great fraud protection that is – steal a card and use it for many small transactions.