What is an essential feature of a debit card?

A debit card is specifically designed for direct access to funds in a checking or savings account. When a debit card is used for purchases, the transaction amount is immediately deducted from the connected account. This feature ensures that users only spend money that they already have, unlike credit cards, which allow for borrowing or accruing debt.

The primary function of a debit card is to facilitate immediate and convenient access to the user’s bank account, enabling transactions without the need for cash or checks. This direct link to a checking account serves as a key distinguishing feature of debit cards, making it essential in allowing users to manage their finances in real-time.