answersLogoWhite

0


Best Answer

It depends on the details and the bank's policy.

Some banks will allow an account to go temporarily negative (up to some limit, usually around $1000). Checks and other debits to the account up to that limit will be honored, but the account holder is charged a fee (usually $30-40 for each transaction).

It's most typical for attempts to use a debit card for more than the balance remaning in the account to be declined at the time of purchase, but due to the fact that banks typically post all transactions once a day in the evenings (and not at all on weekends), if you had $10 in your account Friday evening you could potentially make several purchases, none of which individually was more than $10, over the weekend and not have the bank "realize" that you were overdrawn until the Monday evening transaction posting. If you make a deposit Monday before the transactions post, you may be able to avoid the NSF fee.

Also, some banks offer automatic balance transfers. If you've got $1000 in your savings account and your checking account is empty, they may allow you to use a debit card linked to the checking account anyway and just take the money from your savings account instead.

In general, though, you should expect that your debit card will not go through if there's no money in the account unless your bank has specifically told you otherwise.

User Avatar

Wiki User

10y ago

Still curious? Ask our experts.

Chat with our AI personalities

JordanJordan
Looking for a career mentor? I've seen my fair share of shake-ups.
Chat with Jordan
RafaRafa
There's no fun in playing it safe. Why not try something a little unhinged?
Chat with Rafa
BeauBeau
You're doing better than you think!
Chat with Beau

Add your answer:

Earn +20 pts
Q: Can you use your debit card with no money in account?
Write your answer...
Submit
Still have questions?
magnify glass
imp
Related questions

Is it possible to use a debit card with no money in your account?

No, it is not possible to use a debit card if there is no money in your account. Debit cards are linked to your bank account, and you can only make purchases or withdrawals if you have sufficient funds available.


How do you use a debit card?

You would use it as a credit card, but the debit card takes money directly from your bank account.


What is the difference in a debit car and credit card?

a debit card is used to withdraw money from your personal account while a credit card is money that you use from the banks account that does not belong to you and you to pay it back.


What does debit an account mean?

A Debit is a transaction wherein money is debited or withdrawn or taken out from your bank account. For Ex: You use your ATM card to withdraw money from an ATM, this transaction will be reflected as Debit in your account because you have taken money from your account.


How can I transfer money to a debit card?

To transfer money to a debit card, you can use online banking, mobile banking apps, or visit a bank branch to make a transfer from your bank account to the debit card.


When does the money come out of your debit card account when you make a purchase on itunes?

I don't know about itunes but, whenever I use my debit card, the money comes out immediatly


What means of debit?

A Debit is a transaction wherein money is debited or withdrawn or taken out from your bank account. For Ex: You use your ATM card to withdraw money from an ATM, this transaction will be reflected as Debit in your account because you have taken money from your account.


What happens when you use your debit card at a machine designed to read it?

Money is taken out of the account that the debit card is linked to.


How do you add money to a debit card?

Debit cards are linked to a specific bank account. They don't actually hold a balance on the card itself. You can only use a debit card to purchase items if there is sufficient funds in the linked account.


Do debit cards debit your account?

Yes, your account is debited when you use a debit card.


How can I withdraw money from a virtual debit card?

To withdraw money from a virtual debit card, you can transfer the funds to your linked bank account or use an ATM that supports cardless withdrawals.


Why are use for debit and credit?

When you use a debit card, it uses the money you have deposited in your account to make payments. When you use a credit card, the bank lends you money to make the payment, and you have to pay it by the end of the month (with interests).