Debit cards are a way to deduct money from your bank account and function the same as cash and checks. When using a debit card, people pay for an item or service immediately. Credit cards, though similar in appearance, are different, as they allow users to pay for goods later. Debit cards can be a useful tool in managing your personal finances. Checking the balance of your bank account can be done using the card at an Automatic Teller Machine, but this can be inconvenient and time-consuming, particularly if a person needs to know whether he has incurred a negative balance.
Utilize Online Banking
If your bank has a website, chances are it offers the opportunity to sign up for online banking. The service is typically provided free-of-charge and all you need to do is create an account. After logging in, you'll be able to check the balance in your account, so you know exactly how much is accessible through your debit card.
Download the Bank's Mobile App
Today's banks also tend to offer mobile apps through iTunes or the Google Play store that you can download to your phone. Use this app to log in to your account and check the balance you have remaining on your debit card.
Call the Bank Teller
Call the local branch of your bank and give the teller your account number. Because debit cards are linked directly to your bank account, ask the teller to check your balance. Some debits do not automatically deduct, so also inquire if there are any pending transactions. This will give you the total amount available to spend on the debit card.
Use the Customer Service Number
Flip your debit card over and look for the customer service telephone number printed on the back. Dial the number and follow the prompts to enter your debit card number and any associated PIN. The automated system will automatically report your current balance and you'll have the option of pressing one of the keys to hear recent transaction. This is a great way to check your balance without visiting an ATM.
Reconcile Your Bank Statement
Hang on to the receipts for items purchased with your debit card. Check these against your monthly bank account statement or current balance. Not only will this allow you to make a fair representation of your remaining balance but will also alert you if there is a bank error or suspected identity theft.
Keep Track Manually
Take a few seconds to write down each transaction every time you use your debit card, rather than relying on a statement or balance check. This is the most accurate and easiest way of knowing your balance.