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Personal Cards
A personal debit card also known as a bank card or check card is a plastic card that provides the cardholder electronic access to his or her bank account at a financial institution. The Visa or Mastercard debit card can be used as an alternative payment method to cash when making purchases. Some cards have a stored value against which a payment is made, while most relay a message to the cardholder's bank to withdraw funds from a designated account in favor of the payee's designated bank account. Prepaid debit cards are also called reloadable debit cards or reloadable prepaid cards are often used for purchase at retail stores and recurring payments. In some cases, virtual debit cards are designed exclusively for use on the Internet.

An electronic card issued by a bank which allows bank clients access to their account to withdraw cash or pay for goods and services. This removes the need for bank clients to go to the bank to remove cash from their account as they can now just go to an automated teller machine (ATM) or pay electronically through the internet at merchants ecommerce website. This type of card, as a form of payment, also removes the need for checks as the debit card immediately transfers money from the client's account to the business account. The major benefits to this type of card are convenience and security. Along with the convenience of accessing account funds at anytime it also removes the hassles associated with having to write checks as payment like showing ID and associated fees. Debit cards are also considered to be a safer form of payment as a code is required to access the account funds, while checks can be easily stolen.

In many countries the use of debit cards has become so widespread that their volume of use has overtaken or entirely replaced the check and in some instances cash transactions. Like credit cards, debit cards are used widely for telephone and Internet purchases. Unlike credit cards, the funds paid using a debit card are transferred immediately from the bearer's bank account, instead of having the bearer pay back the money at a later date. Debit cards usually also allow for instant withdrawal of cash, acting as the automated teller machine card for withdrawing cash and as a check guarantee card. Merchants may also offer cashback facilities to customers, where a customer can withdraw cash along with their purchase.

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