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Originally Posted by Danzig
i use a debit card, but it comes out of my checking account.
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You can also use a debit card from savings. When in college it is probably better to not be able to exceed your balance. This way you are not tempted to write a check when you know there are no funds to cover it. I do agree that it is unusual not to have a credit account, but it is possible in this day and age. Fifteen years ago it would have been difficult to get by in college without a checking account