You have to be very careful with a debit card. Many companies will put a predetermined hold on your account when you use it. So if you use it to make a motel reservation, they will put a hold on your account for the entire amount your bill may come to. So lets say you've got $500 in your account. The motel has put a hold of $300 on your account. If you write a check or use your debit card for any amount over $200 you will get charged an insufficient funds fee even though you actually had the money, and weren't going to the motel until next month.
Some gas stations automatically put a hold of $50 or $75 when you use your debit card and then a day or 2 later they release the hold when they confirm that they have been paid. Now if you have a large balance this is not a problem, a college student might end up with an insufficient funds fee. He knows he still has money because he only bought $10 in gas, but the bank sees $50 or $75 and that might be his balance.
The banks have found some ways to really stick it to debit card users.
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Today's Featured Article - Tractor Profile: Farmall M - by Staff. H so that mountable implements were interchaneable. The Farmall M was most popular with large-acreage row-crop farmers. It was powered by either a high-compression gas engine or a distillate version with lower compression. Options included the Lift-All hydraulic system, a belt pulley, PTO, rubber tires, starter, lights and a swinging drawbar. It could be ordered in the high-crop, wide-front or tricycle configurations. The high-crop version was called a Model MV.
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