Top 10 Reasons to Use a Debit Card

• Convenient - Simplifies the payment process; eliminates the need to fill out a check, present ID, give out personal information and wait while that information is verified.
• Easier Budgeting - Since the money comes directly from your checking account, you spend only what you have; you don’t accumulate debts to be repaid later.
• Accurate Record Keeping – With monthly statements, it’s easier to keep track of where your money goes.
• Replaces Cash/Checkbook – Carry less cash and leave the checkbook at home; you can still purchase items, but you don’t have to worry about carrying money.
• Secure – Anyone can spend cash you lose, but with debit cards, you generally have certain protections If you sign to make a purchase using either a Visa Check Card or MasterMoney card, you are guaranteed zero liability protection. Some, but not all PIN debit cards may have the same protections. But check with your issuing financial institution to be sure.
• Readily Accepted – Debit cards may be more readily accepted than checks, especially if you travel to other states or foreign countries. They are accepted just about everywhere credit cards are accepted.
• Internet Purchases – Debit (and credit) cards are currently the only way to make Internet purchases.
• Easy to Obtain – If you qualify to open a bank account, you can usually get a debit card.
• Portable – It can save you from stocking up on traveler’s checks and is accepted at millions of merchant locations worldwide.
• Dispute Charges – When you sign for a purchase using your Visa Check Card or MasterMoney Card, you have the guaranteed right to dispute a purchase with a merchant. Some, but not all PIN debit cards may have the same protections. But check with your issuing financial institution to be sure.