a debit card is your checking account.
its accepted everywhere a credit card is, so you can shop online and pay bills over the phone easily.
its the replacement for loving stupid check books and writing checks like an idiot.
what you gotta remember if your new to the cards, is you pick CREDIT CARD on swiping panels when your at store, not DEBIT
let it just take the money and think your using a credit card, the debit way want your pin, and sometimes you have to enter your billing address area code. and they more likely to card you.
just treat it as a credit card when using. the debit thing is only when your at an ATM and want cash from it