How to use a debit card
If you are used to using only checks and are not sure if you are ready to make the switch to a debit card (like my mom), try these easy tips to get you on board with the rest of the world. It's easy but takes more disipline than using a check.
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Instructions
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When you first get your debit card you will need to activate the card if your bank requires this step. There is a phone number on the back of your card that you can call. Make sure your card is activated before you use it or your purchase may be denied.
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When you debit card arrives you will also receive a pin number to use with it. This pin number will probably come in a separate piece of mail, separate from your card for safety reasons. Anyone who has access to your debit card and this pin number will be able to use your debit card and spend your money. Do not write the pin number on your card or anywhere you someone would be able to find it.
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When you are ready to make a purchase with your debit card you can hand your debit card to the cashier and use it as a credit card or swipe it through a debit machine (most stores have these now) and enter in your pin number when it prompts you to do so. Debit machines also give you the option to use the card without putting in the pin number which is another good reason to protect your card. Anyone can swipe it and use it without knowing your pin number. Ask the cashier to show you how to use the card as credit instead of debit if you prefer.
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Don't forget to log the amount spent in your checking log just as you would do for a check. If you don't keep track of what you spend it is a good way to get an overdraft.
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