Question 1

How do I get a debit card?

Accepted Answer

To get a debit card, open a checking or savings account at a bank or credit union. Most institutions automatically provide a debit card when you open an account. You can apply online, in-branch, or by phone. The card typically arrives by mail within 7-10 business days, and you'll need to activate it before use.

Question 2

Do I need to report bank interest to IRS?

Accepted Answer

Yes, banks report interest income over $10 to the IRS via Form 1099-INT, which you must include on your tax return. All interest is taxable, regardless of amount, though amounts under $10 aren't automatically reported.

Question 3

Do banks charge for ATM withdrawals?

Accepted Answer

In-network ATM withdrawals are usually free. Out-of-network ATMs may charge $2-$5 per transaction, plus your bank may add its own fee. International ATM withdrawals often include foreign transaction fees.

Question 4

What is a direct deposit?

Accepted Answer

Direct deposit is an electronic payment method where funds are automatically deposited into your bank account, commonly used for payroll, government benefits, tax refunds, and recurring payments.

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Frequently Asked Questions

How do I get a debit card?

Do I need to report bank interest to IRS?

Do banks charge for ATM withdrawals?

What is a direct deposit?

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