I've had a checkings account that came with a debit card for over a year but I do not like the poor security on the debit card. There have been a few times where unauthorized charges have been made. Since I'll be starting my first job soon, I would like to have a safer place to keep and manage my money.
So I've been researching checking vs savings accounts with different banks but I'm a bit confuse on how to go about the credit card. If I open either type of accounts can I get a credit card or do I have to apply for that separately? And how would direct deposits of checks come into play in regards to all of these? Can I access my direct deposit money with my credit card or do I need to also have a debit card? And can my credit card balance be paid off directly from either checking or savings account?
Thanks for the help and advice everyone and happy holidays!