A debit card is a payment card that allows you to make purchases by deducting funds directly from your checking account. When you use a debit card, the money is immediately taken out of your account, unlike a credit card where you are essentially borrowing money from the card issuer and then paying it back later.

Debit cards are typically issued by banks and can be used to make purchases in person, online, or over the phone. They are often equipped with a chip and PIN for added security, and many also have contactless payment capabilities.

In addition to making purchases, debit cards can also be used to withdraw cash from ATMs. Some debit cards may also offer rewards programs or cashback incentives for certain types of transactions.

It’s important to note that using a debit card does not build credit like using a credit card does. However, it can help you manage your spending and avoid going into debt since you are limited to spending only what is available in your checking account.