Is it okay to use a debit card? Plus more questions

So I'm really unfamiliar with finance stuff and I'm trying to become more responsible and intentional with my choices. My whole life I've banked at the same place with the same account I've had since I was like 12. It's fine but it doesn't really do anything for me. Recently, they locked me out for 72 hrs because of a suspicious login attempt, which they refused to lift even after I called to verify that it was me and that my internet just disconnected briefly when I tried to access online banking.

Anyway, I looked into a local credit union and they have an interest bearing checking account with a very low monthly service fee that is incredibly easy to waive. The only catch is that in order to get the 8% apy, you have to have 20 debit card transactions in a month. I think that between gas, groceries, and a few subscriptions I could hit this number, but I've NEVER used my debit card for things other than Costco gas before and that's only because my current credit card isn't a visa.

Here's what I like. You can link an interest bearing (6% apy for first $2,500) savings account to the checking account and when you make purchases with your debit card, it automatically rounds up to the next dollar and deposits the change into your savings. And you earn points for using the debit card.

What I don't like. Using a debit card feels less secure and there's less protection if something sketchy happens/it's more of a headache, you earn less points then with a credit card and it doesn't do much to build your credit score although mine is already pretty good so maybe that's not as relevant.

The same credit union offers a visa card with 3-2-1% cash back with those being in very good categories (my current one was my first and is just a general 1%) so I had considered getting that but then it would turn the checking account into just an okay investment vs a pretty good one.

Does anyone have any advice?

If I go with this, should I still keep my original account? That would force me to leave $1,500 where it would be doing nothing and if it goes below that it's a $25 monthly fee which is a little much imo.

Sorry for the long-winded post. Also for reference, I'm not doing as well in the savings realm as I would like right now so I'm really trying to throw everything I can at building a security net and being more caught up for my age (23).

Thank you for any help!!