Some banks and credit unions might let you sign up for “overdraft protection.” That means you can use your debit card even when you do not have enough money to pay for the things you are buying. Some banks might charge this fee for every purchase until you put enough money in your account to pay for the things you are buying. They use money from your checking account at the bank. But to avoid spending more money than you have, keep track of how much you spend.
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For example, with debit cards: You might not have enough money in your checking account.
That means your debit card will be “declined.” You will not be able to buy things.
This is one way the bank tries to stop dishonest people from using your debit card to get your money. When you buy something with a credit card, you are borrowing money from the credit card company.
When you use your debit card, you need to enter your PIN on a keypad. Your statement shows: Your statement can help you track your spending and create a budget.
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