[raron]

It gets interesting when the two system interacts. Friends visiting the US told me that at the POS terminal they had to choose credit card despite paying with a Visa/Mastercard debit card issued by an European bank.

By the way, here banks even have daily bank / wire transfer limit that can be changed only by a personal visit to a branch, so even if your online banking credentials are stolen, the attacker can not empty your account.