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Home Blog 5 Advantages of Using Debit Cards

5 Advantages of Using Debit Cards

5 Advantages of Using Debit Cards

Debit cards, debit cards, debit cards! A debit card can make everyday transactions very easy. First Citizens has a variety of debit cards to choose from: MasterCard® Debit Card, My Pic Photo Debit Card, or My Pic ID Debit Card. If you've never used a debit card before, or are thinking about getting one, here are our top five reasons why you should.

  1. No Need for Checks.
    Writing checks is time-consuming and is quickly becoming an antiquated payment method. Debit cards essentially do the same thing as checks: take money directly from your spending account to pay someone else. Instead of having to scribble out the information on a small rectangle sheet of paper, it’s just a quick swipe of a card. No need to keep track of checks you have outstanding as your available balance will update with each purchase.
  2. No Need to Carry Cash.
    When it comes to making a purchase, you don’t need to count out coins or bills making sure you have enough on hand. It’s much easier to simply take out your debit card and pay. Compared to a credit card, when you make a payment with a debit card the money leaves your account right away, so you are not left with a big bill to pay at the beginning of the next billing cycle. (However, if you do need cash, you can always stop by an ATM or get cash back when you make a purchase at most stores.)
  3. Readily accepted.
    When out of town, debit cards are usually widely accepted (for card security, just make sure to tell First Citizens when you are traveling outside your normal area so that you do not have an interruption in service).
  4. Your Pin Protects You.
    Debit cards are protected by a four digit pin number. This pin is needed in some cases to make a purchase with your debit card. This gives you a great deal of protection against theft. These cards can also be canceled very easily and quickly, so if you lose it, you can prevent anyone from being able to do any damage. (Shazam BOLT$ can also protect your debit card by sending you alerts.)
  5. You do not have to be scared of interest rates. 
    Credit cards are practically loans that you need to pay with interest if you cannot pay it back within the grace period. Some credit cards are notorious for their high interest rates. You will certainly not encounter this problem if you use your debit card instead.

Oh, and one more really great reason... If you use your First Citizens debit card September 1 - November 30, 2019, you’re automatically entered to win a $100 MasterCard Gift Card!* Two winners will be drawn each month for the length of the promotion! Click here for details.

*No purchase necessary. Every time you use your First Citizens debit card you’re automatically entered. To enter manually: send a 3x5 card with your name, phone #, and address to: First Citizens Bank, Debit Card Drawing, PO Box 1708, Mason City, IA 50402-1708. Promotion dates are Sept. 1-Nov. 30, 2019. Odds of winning depend on number of entries received. Six $100 MasterCard Gift Cards will be awarded to randomly drawn entries, two winners per month September - November, 2019. Prizes awarded within 30 days of drawing. First Citizens Bank reserves the right to end this promotion at any time. Member FDIC


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