Debit cards make any type of purchase quick and easy. In today’s digital world, debit cards are accepted at the majority of retailers making it extremely convenient for customers. You can use your debit card in stores, online, and at ATMs.
How to Use a Debit Card Online
If you're looking to purchase something online, a debit card makes it easy.
- Visit your favorite online retailer and shop as usual.
- When you’re ready to check out, enter in your debit card information when prompted just like you would with a credit card.
- Enter in your debit card number, expiration date, and CVV code. The CVV code is the 3 number code on the back of the card.
- The final step is to enter your billing address to confirm you are authorized to use the debit card.
Be cautious with making purchases online by verifying the website is reputable, secure, and trusted.
How to Use a Debit Card at an ATM
To easily withdraw from or deposit cash to your checking account, you can use your debit card at an ATM. The first thing you need to do is insert your debit card into the ATM. Next, for security purposes, you will be prompted to enter the PIN number you chose for the card. You can either withdraw cash, deposit a check or cash, transfer money, or view your balance. After you’re finished with the transaction, be sure to take both your debit card and receipt with you.
Open a Huntington Checking Account
If you want a basic checking account with no monthly maintenance fee, or an interest-earning checking account, we've got the options that are right for you.
Learn More
What is an EMV chip?
EMV (Europay, Mastercard, and Visa) chips are the small, square, often silver computer chips that appear on the surface of debit cards. The technology is designed to help protect you against fraud at the point-of-sale.
How does the EMV chip work?
Before the EMV chip, most debit and credit cards were magnetic stripe cards. The magnetic stripe was about 2-3 inches along the debit card and embedded the card’s information. As the card was swiped through a payment terminal, the card reader decoded the information in the stripe and approved or denied the transaction.
When making a purchase with an EMV debit card, rather than swiping the card at the point-of-sale, the debit card is inserted chip-first into the terminal. The terminal reads and verifies the card, authorizing the purchase. As the card is read, the EMV chip creates a unique code with each transaction, so the retailer never receives your actual card number. This makes it more difficult for fraudsters to steal your information, helping to maximize the security of your debit card.
This technology also applies to contactless payments. If a retailer accepts contactless paymentsat the point-of-sale, tap or wave your card near the contactless card reader to complete the transaction. Your EMV chip will still create a unique transaction code to protect your information.
How to Use EMV Chip Debit Card
Using Your EMV Chip Debit Card at Payment Terminal
- Insert the debit card face up into the terminal.
- Follow the prompts and provide your PIN when directed.
- Remove the debit card when prompted or after the transaction is complete.
Using Your EMV Chip Debit Card with Contactless Payments
- Look for the contactless payment icon at checkout.
- Tap or wave your contactless debit card over the contactless reader.
- Remove your debit card when prompted or after the transaction is complete.
Beware of overdraft charges.
We want to help you avoid fees. Keep an eye on your account balance, and learn more about how to avoid Overdraft Fees.
Learn more about debit cards
FAQs
Once you are at the payment checkout, you need to choose “Pay Using Debit/ Credit Card. Once you select on the option, you need to specify the type of card, i.e., Debit Card and whether it is a Visa or Mastercard. Then, type the 16-digit Debit Card number which is on the front side of your Debit Card.
How do I use a virtual ATM card? ›
When you check out on a website or make an in-app purchase:
- Choose the virtual card from your payment method options.
- Let Chrome or Android fill in the payment info automatically. You may be asked to verify your identity with a code, fingerprint, or other method.
- Check out as usual.
Once you are at the payment checkout, you need to choose “Pay Using Debit/ Credit Card. Once you select on the option, you need to specify the type of card, i.e., Debit Card and whether it is a Visa or Mastercard. Then, type the 16-digit Debit Card number which is on the front side of your Debit Card.
Can I use digital debit card at ATM? ›
Adding your debit card to your Digital Wallet means you can get cash using your phone. Just select your card in your wallet and hold your phone over the Contactless Symbol at any Bank of America ATM.
Do chip debit cards need a PIN? ›
Many chip debit cards provide the option to skip PIN entry and run the card “as credit” instead. The cardholder will sign for the transaction instead of entering a PIN.
How do ATM chip cards work? ›
Once inserted, the EMV chip transmits to the card reader an encrypted, one-time code containing the card information. This is what makes EMV chip payments much more secure than swiped card payments: The real card number is never transmitted, and therefore remains protected in the event of a security breach.
Can you withdraw from an ATM with a virtual card? ›
Yes, the virtual card allows you to withdraw cash from ATMs that support contactless use. You will need a digital wallet (e.g. Apple Pay, Google Pay) and second, a virtual card PIN code, which you will find on the LHV mobile app or internet bank.
How to use debit card without physical card? ›
Someone can use a debit card without a physical card at a store through various methods such as online purchases, contactless payments, or mobile wallet apps. For these operations, you only need card information stored electronically or to link the card to a digital payment platform like Apple Pay.
How to withdraw money from a debit card online? ›
Here's how.
- Download and install your bank's official mobile banking app.
- Log in to your account or register if you haven't already.
- Navigate to the "Fund Transfer" or "Money Transfer" section.
- Select the option to transfer funds from your debit card to your bank account.
Payments with a debit card are taken instantly from your checking account and shopping online comes with the added risk that your information may be stolen. Using a debit card opens up the possibility that the thief will gain access to the funds in your checking account.
When you're ready to check out, enter in your debit card information when prompted just like you would with a credit card. Enter in your debit card number, expiration date, and CVV code.
How do I use a cardless ATM? ›
Withdrawing cash from a cardless ATM can generally be done in these few easy steps:
- Sign in to your bank's app and choose the account you want to withdraw from.
- Tap your phone to the reader—or scan the QR code on the ATM.
- Verify the transaction for the ATM withdrawal.
- Take your cash.
Since it cannot be used to make physical transactions like tapping or swiping at a terminal, it can be easily used to make online purchases. However, cardholders can't use it in Automated Teller Machines (ATMs) to withdraw cash.
What is the difference between a digital debit card and a debit card? ›
There are two kinds of debit cards: virtual debit card and physical debit card. Virtual debit cards are like digital versions of regular cards, and they're used mostly for buying things online. Physical debit cards are the actual cards you carry with you and use at stores and ATMs.
Which end of a debit card do you insert? ›
- Step 1: Put your card into the machine with the card's chip end going in face up.
- It will tell you to put your card in, pull it back out, and put it back in and leave it in.
- Step 2: Enter your PIN.
- Step 3: Choose what you want to do.
- For example: Withdrawal Cash or get a Balance Inquiry.
A: 1. Your first chip transaction must be at a chip-enabled Point of Sale (POS) terminal that is attended by a person (not self- service). 2. Insert the card, chip first, into the terminal and do not remove it until the transaction is complete.
Can you tap a card with a chip? ›
A contactless chip card allows you to tap your credit or debit card against a reader, in addition to inserting or swiping your card.
