How does a debit card function?

A debit card functions by directly linking to the user's checking account, allowing them to make purchases without borrowing money. When a transaction occurs, the amount spent is immediately deducted from the balance of the checking account. This direct connection means the cardholder can only spend what they have, helping to manage their finances effectively while avoiding debt.

In this context, other choices do not accurately describe how a debit card operates. For instance, while a debit card may allow for rewards or benefits in some cases, that is not its primary function. This contrasts with credit cards, which enable borrowing against a credit limit and often include rewards. Additionally, debit cards typically do not require a monthly fee unless specific account conditions are not met, which is unrelated to the basic functionality of the card itself.