Activate the debit card if required
Set or confirm the PIN
Check the card balance before spending
Swipe, insert, or tap the card at a store terminal
Enter the PIN when prompted
Select debit or credit if the terminal asks
Approve the transaction amount
Keep the receipt if needed
Use the card at ATMs to withdraw cash
Insert the card into the ATM
Enter the PIN at the ATM
Choose the transaction type
Follow the on-screen prompts
Remove the card and cash after the transaction
Use the card online by entering the card number, expiry date, and CVV
Verify the merchant and amount before confirming payment
Monitor account activity regularly
Report lost or stolen cards immediately
Keep the card and PIN secure