Consider opening a separate free checking account with just an ATM card and no checks. This account would act as an online purchasing account only and would be a way of controlling the amount of funds deposited and therefore avoiding significant loss if your account is illegally accessed. This account would be a stand-alone account with no connectivity to the main account. Transfer of funds could be made into this account for the specific online purchase amount. If fraud takes place, the loss would be minimal and the account could be closed with no hassle.