A debit card is a payment card that allows users to access their bank accounts directly to make purchases or withdraw cash. When you use a debit card, the money is deducted immediately from your checking account, making it a convenient way to manage your finances without accumulating debt. Debit cards can be used at stores, online, and at ATMs. Most debit cards come with a Personal Identification Number (PIN) for added security. They often feature a Visa or Mastercard logo, allowing them to be accepted at millions of locations worldwide. Additionally, some debit cards offer rewards or cashback programs, enhancing their value for everyday spending.