Banks are a lot more tightly regulated that most other businesses, and (in my experience) don't generally have "we can change the ToS whenever we want, however we want" clauses in their customer agreements.

All the banks I've dealt with say they have to give you 30 days notice of any ToS changes, and with language like "if we reasonably consider that the change is favorable to you" (or similar).

If your bank has more leeway in changing its ToS on you, I would suggest having a look around at the terms other banks offer.

I've yet to see a bank's customer agreement wherein the contractually-defined protections for debit cards varied significantly from the legally-defined protections for credit cards. (I haven't made an exhaustive study of this, but I have read the fine print for every new bank account that I've considered.)

If you can find a customer agreement that is meaningfully different in this aspect, then: I'm all ears.