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iviany mercnants allow you to withdraw additional cash with your purchase, saving a trip to the ATM.
• Use it out of town or at locations where personal checks are not accepted.
• Safer than carrying checks or cash.
Whenever it comes to your money, you always need to keep a close eye on your personal bottom line. With debit cards, keep these points in mind:
• You should be certain of your bank account balance so you don’t spend more than your available funds.
• Some debit cards have monthly or per-transaction fees, so it pays to comparison shop when opening an account.
• Guard your card and personal identification number closely - never let anyone borrow it.
Debit cards also carry an added level of security not available with cash or checks. Most debit card transactions made with a national network like Visa receive ‘zero liability’ fraud protection. This means that if your debit card is ever lost or stolen and you report it promptly, you won’t be responsible for any fraudulent purchases or cash withdrawals. The Federal Trade Commission’s web site (www.ftc.gov) and your bank have more details.
You’ll need to keep track of debit card transactions in your check register along with
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