Activation

• Activation may be required before you can use your debit card. Follow the instructions you received to activate your debit card. Check the front of the debit card for notes as some banks place a removable label that contains methods for activating a new debit card. Generally, a new debit card can be activated by calling the bank or through certain ATM machines. Typically, you will need a personal identification number to activate your debit card through an ATM machine. For security reasons, many banks mail personal identification numbers in a separate envelope to help avoid the possibility of someone obtaining your debit card and pin number simultaneously.
  
  

Limits

• Generally, debit cards are linked to a savings account that limits your usage to your savings account balance. Many banks have daily spending limits for debit card users. You can inquire about limits and the maximum cash withdrawal your bank allows for debit transactions. For instance, some banks offer debit card users a $1,000 daily purchasing limit while allowing a maximum cash advance of $500 per day.
  
  

Shopping

• Debit cards enable shoppers to buy items without carrying cash. Most merchants accept debit cards for items such as groceries, gasoline, clothing and sporting goods. Some debit cards provide protection for purchases that become lost or stolen. Check with your debit card issuer for details.
  
  

Payment

• Present your debit card to a cashier, or swipe your debit card through the merchant's electronic payment processing device. Entering your pin number confirms your authorization for the purchase. Take precautionary measures to shield your pin number when using your debit card as a safeguard against identity theft.
  
  

Considerations

• A consumer who wants to add funds to her account could speak with her bank about a variety of options. Some banks provide direct deposit features that link to a user's debit card. You may feel safer shopping with a debit card instead of cash.