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Like credit card payments, debit cards offer consumers speed and convenience. However, like checks and automated clearinghouse (ACH) payments, debit card payments access consumers' checking accounts.
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Account Online
For many consumers, the ability to manage their funds more closely and spend only available funds makes debit card payments preferable to credit card transactions. The possibility for debit card fraud is similar to that of payment by paper checks and ACH (wherein consumers provide a third party with their bank routing transit number and checking or savings account number), although many card issuers now offer debit card users the same zero liability protections provided for credit card transactions.
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