How does a debit card function in relation to a bank account?

A debit card functions by allowing the cardholder to make payments directly from their bank account. When a purchase is made using a debit card, the amount is immediately deducted from the cardholder's available balance in their linked checking or savings account. This eliminates the need for cash transactions and provides a convenient way to access funds without falling into debt, as is the case with credit cards or borrowed funds.

Using a debit card ensures that individuals only spend what they actually have in their account, promoting responsible spending and budgeting. Additionally, debit cards often come with security features such as PIN protection and fraud monitoring, making them a safe option for everyday transactions.