What about Visa's $0 Liability (Score 3, Informative)

It appears theres a clause for Debit cards used at ATM's... http://usa.visa.com/personal/security/visa_securit y_program/zero_liability.html Extract from above Link: The Zero Liability policy covers all Visa credit and debit card transactions processed over the Visa network--online or off. The only transactions not covered under the Zero Liability policy are commercial card, ATM, and non-Visa-branded PIN transactions.