More Americans are using debit cards than ever before. Here are some tips for using them wisely and safely:

Memorize your PIN so you aren't tempted write it on your card or keep it in your wallet.

Keep close tabs on your balance to avoid overdrawing your account. Keep in mind that your balance from the bank may not be an accurate reflection of what's in your account since it may not include deposits or outstanding checks that haven't cleared.

If your bank offers it, sign up for a free auto-alert service that notifies you when your account drops below a certain balance.

Regularly review your account online for suspicious transactions or withdrawals.

Know when your bank statement is due to arrive in the mail and watch for it. Promptly report any suspicious activity. If the statement doesn't arrive, that could be a sign of identity theft.

If you lose your card, report it to your bank immediately.

Don't respond to unsolicited e-mails requesting account numbers or passwords. It could be a "phishing" scam trying to trick you into divulging personal data by mimicking a message from your bank or other financial institution.

Watch for "card skimmers" that thieves mount to the front of ATM card slots to capture the information coded on your card's magnetic strip. Shield your PIN from "shoulder surfers."

Ask if your bank has automatically enrolled you in a courtesy overdraft protection plan, sometimes called bounce protection. If so, you may want to cancel it. Fees associated with this coverage can balloon quickly.