To get alternative to our funds good o, but know say the number of alternatives wey u get na the same number of risk follow. For me o I for like keep my ATM card somewhere safe for house then incase them tief my phone I go find  way reach somebody to help me withdraw all my funds for safety. Secondly if fraudsters hand reach ur card, dem go wipe Ur account before bank customer care go wan answer Ur call nay make e no good to carry am waka when u no wan use am.