Debit cards are fast becoming U.S. consumers' plastic of choice. Bank customers used their cards more than 26 billion times last year to spend more than $1 trillion, says Nilson Report publisher David Robertson. Debit card use now accounts for two-thirds of Visa's total transactions and half of its dollar volume.

With more than 60 percent of those transactions less than $25, it's clear that shoppers see the cards as a convenient substitute for cash and checks. And many banks encourage debit card use by offering rewards points. But the cards also raise concerns about security. To minimize risk, be smart about how you use your card.

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