Debit cards are a way to deduct money from your bank account and function the same as cash and checks. When using a debit card, people pay for an item or service immediately. Credit cards, though similar in appearance, are different, as they allow users to pay for goods later. Debit cards can be a useful tool in managing your personal finances. Checking the balance of your bank account can be done using the card at an Automatic Teller Machine, but this can be inconvenient and time-consuming, particularly if a person needs to know whether he has incurred a negative balance.

Step 1

Visit your bank's website. Some banks have an online balance manager through which you can access your account balance. This might be a free option that is automatically offered, or you might need to enroll for it.

Step 2

Call the local branch of your bank. Because debit cards are linked directly to your bank account, ask the teller to check your balance. Some debits do not automatically deduct, so also inquire if there are any pending transactions.

Step 3

Check the back of the debit card. Some debit cards, including many pre-paid debit cards, have a customer service telephone number printed on the back of the card. This enables you to check your balance without visiting an ATM.

Step 4

Keep track of your balance each time you use your debit card, rather than relying on a statement or balance check. This is the most accurate and easiest way of knowing your balance.