Anything paid out of our checking account is done electronically, including state and federal taxes, excise tax for the car, etc. Property taxes are bundled with the mortgage. I don't ever remember paying those separately. It's weird, we never use the debit card, except to get cash from the ATM. Three years ago, we were in San Diego and went to get cash from an ATM. They kept rejecting our card, so we called our bank who told us that they do not allow ATM use in CA and NV because there is too much fraud. The guy told us to just go to the grocery store, buy something for like 5.00, and ask for cash back. It never even occured to us that we could do this. I bought a little bottle of Tylenol for a headache at Vons! Well, we haven't used the card for that since, and I guess it was better than asking my twenty something son for a loan!