The first six digits are needed to uniquely identify the issuer; "4418" is not enough information to tell.
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A debit card transfer to your bank account is when you move money from your debit card to your bank account. This allows you to access the funds in your bank account using your debit card.
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There are many bank card services available with the Bank of Montreal debit cards. One of the biggest bank card services available with the Bank of Montreal debit card would be the ability to use ATMs.
I prefer debit card but if you like the bank giving you money then paying it back then it credit card for you . If you have debit card is like your whole bank in your wallet :)
Usually the Credit Card Issuer Identification Number is the first 6 digits but the 4892 is a Visa Card issued by Columbus Bank and Trust Company as Green dot NASCAR Debit Visa Debit card, which is more or less a prepaid card.