Many card issuers have a policy that their customers have no liability for unauthorized transactions. This "zero liability" policy goes beyond federal guidelines. Ask your card issuer if it has a zero liability policy and what kinds of card transactions are covered.
Debit cards with the Visa or MasterCard logo may be covered under their zero-liability-for-fraud policies, but only when the transaction is processed as a “credit,” not when a PIN is required. And prepaid card customers will benefit from an issuer's zero liability policy (if it has one) only if the cardholder registers the card with the issuer.
Learn more in this Wall Street Journal article.
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