Enjoy the convenience of having access to your account 24 hours a day at 12 million locations worldwide! You may use your debit card at any ATM or for purchases where MasterCard is accepted. Simply hand the merchant your card, sign the receipt, and you are finished. There are no checks to write and, unlike a credit card, you will not pay finance charges. The funds are withdrawn from your checking account and will appear on your monthly bank statement. Each transaction on your statement will include the date, place and amount.