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There may be a monthly or annual fee for overdraft protection in addition to any interest charged on the overdrawn amount. Debit card Like a credit card but directly attached to a checking account a debit card can be used to pay for items at a store. The risk of an ATM debit card is that a bank will allow you to overdraw your account. Transactions might go through that overdraw your account each one costing you a new overdraft charge An ATM check card will not allow you to withdraw more money...

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