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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.

But looking at the fine print that came with his new unemployment debit card, he became livid. "A $1.50 [fee] here, a $1.50 there," he said. "Forty cents for a balance inquiry. Fifty cents to have ...