Also have two accounts:

- Account #1: salaries and deposits go here, no ATM

- Account #2: gets regular transfers from account #1, whatever you spend each week on your ATM, has an ATM, blocked on overdraft

If ATM is compromised the only money at risk is whatever is left in Account #2

This minimizes your exposure

Card skimming has become so rampant where I live that I don't ever put a bank or credit card in a gas pump.

I got a gas company card (non-Visa/MC) with a super-low limit, and when I need to buy gas I make a payment online with my phone, then pump away knowing if it got skimmed, the perps would probably throw the info out because it's not usable anywhere else, and even if they used it at the gas station, they'd only get $10.

The local sheriff was on TV last year telling everyone to only pay cash for gas — never put a credit or debit card in a gas pump card reader.

How quick does the payment from your phone go through? Australia's only just implemented fast cross-bank transfers (PayID) but the implementation compromised privacy and only works in some circumstances.

It’s not cross bank. But because I have a history of paying the gas card from a particular checking account, I get credited for it instantly.

Where do you live?