Question 1

How does a debit card work?

Accepted Answer

A debit card works by electronically transferring money from your bank account to the merchant when you make a purchase. You can use it by swiping, inserting the chip, or tapping for contactless payments. You may need to enter a PIN or sign for verification. Funds are deducted immediately or within 1-3 business days.

Question 2

What does ACH stand for in banking?

Accepted Answer

ACH stands for Automated Clearing House, an electronic network for financial transactions in the United States. It processes direct deposits, bill payments, and bank transfers between accounts.

Question 3

What is a pending transaction?

Accepted Answer

A pending transaction is a payment that has been authorized but not yet fully processed and posted to your account. It typically takes 1-3 business days to clear and appear on your statement.

Question 4

Can I use my debit card as a credit card?

Accepted Answer

Yes, most debit cards can be run as 'credit' at checkout by selecting 'credit' instead of 'debit' and signing instead of entering your PIN. The money still comes from your checking account, but it processes through credit card networks (Visa/Mastercard). This doesn't build credit or change how funds are withdrawn.

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Frequently Asked Questions

How does a debit card work?

What does ACH stand for in banking?

What is a pending transaction?

Can I use my debit card as a credit card?

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