Addressing these threats, here is what I do and what I recommend:
[list]
[*]Do not use or possess a debit card. When a debit card is compromised, the money is gone and under the law you are guilty until proven innocent. When my financial institution insisted on replacing my ATM card with a debit card, I insisted in turn that they completely disable the debit function. If you absolutely must use a debit card, keep a separate account for it and only keep money in it that you don't need to pay your mortgage and other bills. But you're better off without one altogether.
[*]Use an ATM that's less likely to have been compromised, such as one at a branch of your financial institution.
A big +1 on the do not use or have a Debit card. Chaosmagnet suggests that if you do, have a separate account for it. BUT be careful that the bank does not have the right to tap into other accounts if the Debit card is overdrawn: I think most Banks now are required to offer the option to not overdraw the debit card account, but, as I understand it, you must opt into this option. We do not even have a debit card because of the added risks and liability mentioned. Our solution is a credit card, which is payed off monthly.
Also, ATM machines at bank branches are not more secure. 1.) due to their heavy use, they are a prime target. 2) They get lots of traffic when the bank is closed (and no one is there to keep an eye on the machine). This happened at my bank branch, and it hit a lot of people. There was some theorizing that the skimmer was being installed after the branch closed, and de-installed before it opened. Thus, the branch employees never noticed anything different about the machine.
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