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Debit cards that are backed by MC/VSA have the option of filing a dispute either through your bank, or through MC/VSA directly (it's up to your institution). What may be a bad idea, though are "e-checks" in which you input your routing and account number for a purchase. In that case, it's little more than an ACH, and your funds are gone when thry leave - although your bank may still be able to issue a dispute on your behalf and offer credit for the lost funds, although you don't typically keep said credit unless your bank is able to recoup the funds (it's a provisional credit in most cases).
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