Don't assume that if you lose your bank card, it is useless to who ever finds it. All they have to do is change your pin number. It's easy. They call the bank, use your name, after all its on the card, obtain the bank's special 4 digit code and use the atm to change the pin number. Its amazing how dishonest people know things that honest people don't know. I learned this the hard way. Luckily I got to the bank before the "finder" got to the atm.