What is a defining feature of a Debit Card?

A defining feature of a debit card is that it is linked to a checking or savings account. When you use a debit card for a transaction, the funds are directly withdrawn from your account, providing an immediate payment option without the need to carry cash. This direct connection to a bank account distinguishes debit cards from credit cards, which allow for borrowing against a credit line instead.

The use of a debit card promotes responsible spending, as users can only spend what they have in their account, reducing the risk of accumulating debt. This feature aligns with the traditional function of banking, where individuals manage their finances through deposits and withdrawals connected to their checking or savings accounts. Overall, the relationship between a debit card and a bank account is fundamental to its operation and purpose.