Don't use a Debit Card, use a Credit Card instead. Unless you have a cast iron guarantee from your bank that they will refund you.
I don't know about the US per se, but in the EU a debit card would not automatically give you any protection for loss due to an actual transaction you knowingly made. This would be a service that your bank may or may not extend to you, but usually a debit card is only protected if your account has been compromised and the card subsequently used fraudulently without your knowledge. A Credit Card on the other hand, not only provides purchase insurance against such events, but the Credit Card Issuer is jointly liable for the goods or services being supplied.