I always have a couple of hundred bucks on me in one form or another (a few bills in my wallet, more bills in a money clip, a hundred and change stashed elsewhere on me) just for emergencies. In addition, I did like having 3 debit cards, linked to a checking account with a $1200 balance, in various places (one in the wallet, one stashed with the vehicle, another one on me). I figured that with $1200 I could get home from pretty much anywhere in North America, maybe not the fastest or most comfortably, but that amount could get me home. Also, if one of the cards got lost and compromised, the loss of $1200 would hurt, but wouldn't be devastating to me. Problem is few banks want to issue multiple debit cards to a single checking account (they say it's a security risk). The bank I was using would issue me one card free and I'd have to pay an annual fee for the other two. The free card was re-issued automatically when it lapsed, the others I'd have to keep track of and call the bank when they expired to get new ones. Right now, the two extra cards have expired and I've yet to get new ones. So. What do you guys do about having emergency funds available? Is the debit card still the most reasonable thing? I know nothing replaces cold, hard cash, but carrying around over a thousand bucks in cash probably isn't a good idea. The one advantage of the debit card over a credit card is that if someone lifts it, they're at least going to have to figure out the PIN. Thoughts?