A debit card is a payment card used to access your bank account. You can use a debit card online, at point-of-sale terminals, ATMs and bank branches. Debit card transactions are deducted from your bank account balance. "With a debit card, you're accessing, via a card, money that's in your bank account," says Bill Maurer, a professor of anthropology and law at the University of California, Irvine who researches payment technologies. … "If someone steals your card, they can start draining your bank account. Because it's your money and not the bank's money, it's on you to take action and deal with any instance of fraud."

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