Debit cards pull funds directly from your bank account when making purchases or withdrawing cash. Setting up a PIN and monitoring account balances via mobile apps helps avoid overspending and fees.

E. Napoletano is a former registered financial advisor and award-winning author and journalist. Managing Editor, Global Data and Automation for Forbes Advisor. Mitch has more than a decade of ...

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Sophie Venz is a former Deputy Editor at Forbes Advisor. She is an experienced editor and features reporter, and has previously worked in the small business and start-up reporting space. Previously ...