How to check the balance of your debit card

How can you check the balance of your debit card?

Check your debit card balance by visiting an ATM, your bank, or checking online banking or mobile app. The easiest way to check your balance is to download your bank’s mobile app. However, you can always stop by an ATM or ask a bank teller.

It is always wise to keep tabs on how much cash you have left on your debit card. After all, if you don’t know your balance, you won’t know how much money you have left to spend. 

On this page, we will tell you the various methods that you can use when it comes to how to check the balance of your debit card. Some of these methods may not be available with your bank.

TFF22-094 - How to check the balance of your debit card

This article may contain affiliate links which pay a commission and support this blog. Thank you for your support!

Using An ATM To Check The Balance Of Your Debit Card

Any ATM will be able to give you the balance of your debit card. Enter your debit or ATM card and PIN and follow the onscreen prompts to check your balance. ATMs will allow you to see the balance on screen and some ATMs will allow you to print a receipt.

Remember, you will need to have a PIN if you want to use an ATM. This is so that the ATM can verify your identity. If you do not have a PIN, you will need to reach out to your bank or use online banking. 

Asking Your Bank The Balance Of Your Debit Card

You can go into your bank’s local branch and talk to a bank teller to determine your account balance. The teller will most likely verify your identity, either through an account number, ID, or other information on file with the bank.

Going into the bank to check your balance can be inconvenient and slow. You can also call your bank’s customer service number to inquire about your balance. Your bank will most likely ask you a series of security questions you established in order to verify your identity.

Using The Online Banking System For Your Bank

Nearly every major bank will have some sort of online banking system now. When you opened up your account, there is a pretty strong chance that you were given online banking details. You can use these to log in online.

If you are not sure whether you have online banking, then head to the website for your bank. Look for any link that suggests that there is an online banking system (it may say ‘My Account’ or something like that). Click this link, and then look for a registration option. This will walk you through the process of getting an online login for your bank account.

If you do not have an account, they may need to send you some information via mail for security purposes. This only needs to happen once. Once you have verified yourself, you will be able to start logging in with the details that your bank gave you.

Online banking isn’t just for checking the balance of your debit card. You can also use it to pay bills, transfer money, and monitor transactions. It is very convenient.

Using The Mobile App For Your Bank

Most banks will have a mobile app that you can use to check your balance. It will work very similarly to the online banking system. The difference is that it is much more accessible. After all, wherever your phone goes, the mobile app will be.

You will need to download the mobile app from your bank. Head to the app store and tap in your bank’s name to see what comes up. Do not download an app from anywhere other than the app store and verify the app is from your bank.

Most of the time, you will be able to use the same details that you used to log in to online banking here. The app may save your details. This can increase the speed of signing in.

Now, whenever you want to check the balance of your debit card, just boot up the mobile app and it will tell you. 

Ask Your Bank To Send You Text Alerts 

Nowadays, a lot of banks will have a text alert service. They will send you a message whenever a payment is made from your checking account. This could be a debit card transaction, a check being cashed, or an automatic payment on a bill.

If your bank offers this type of service, then it may be worth getting registered. It will provide you with constant updates on how much cash is in your bank. 

Text alerts also benefit you from a security point of view. If there are any unauthorized transactions, then you will be alerted so you can resolve the issue.

Are All Transactions Shown On a Checking Account Immediately?

Transactions are shown in your account immediately, but the funds aren’t always withdrawn immediately. Even if the money has not fully left your account yet, it should be marked as unavailable cash or pending in your checking account. When you check your debit card balance, the money you see as available is how much cash you have to spend.

Summary: How to check the balance of your debit card

Debit card balances can be checked by accessing the balance of your checking account. Check the balance of your checking account by:

  1. Using an ATM with a debit or ATM card
  2. Talking to a bank teller in-person
  3. Calling your bank’s customer service number
  4. Setting up an online banking account
  5. Downloading your bank’s mobile app
  6. Setting up text alerts

The easiest way to check the balance is via your bank’s mobile app. Download the app and enter in your login details. You will then have access to your account information anytime you have your smartphone.


Based on this article, we think you’ll enjoy the following:

John is the founder of TightFist Finance and an expert in the field of personal finance. John has studied personal finance for over 10 years and has used his knowledge to pay down debt, grow his investment portfolio, and launch a financial based business. He is committed to sharing content related to personal finance based on his experience in his career, investing, and path towards reaching financial independence.