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Ans: A debit card works like an electronic check. Because the payment is deducted directly from a checking or savings account. If you use a debit card at a retail store, you or the cashier can run your card through a scanner that enables your financial institution to verify electronically that the funds are available and approve the transaction. Most debit cards also can be used to withdraw cash at ATMs (automated teller machines).
Ans: For many people, it is more convenient to carry a small, plastic card instead of a large quantity of cash. It's a good way to pay for purchases without having to pay interest, as you would if using a credit card with an outstanding balance.