gwraigty
Thinks s/he gets paid by the post
I just switched to Fidelity for cash management. Like to keep a lot in my checking account, and now I get 2%+.. That said, I certainly don't use it as a debit card.
My purchases go on cash back credit cards whenever possible, which is usually 99.99% of the time. I keep a small amount of cash in my wallet that literally sits there for years. I've set a calendar reminder about a month before the expiration date of any such cards to use them in some way to keep them active.
Fidelity sent a letter asking if I wanted new cards sent, but not everyone does. I don't want to have to get cash from an ATM in a rare pinch only to find out the card expired. Once I was trying to pay for my groceries at a store that only accepted Discover at the time. The terminal wasn't working, so I had to go to the in-store ATM to withdraw money to pay for them. Luckily, I remembered my PIN. Recently, at a post-funeral reception, it was cash only for purchases less than $10 at the bar. I had to dust off a $20 to get a cranberry ginger ale!