According to the query of Opal Finance Network, debit card is a common payment tool in banking business. Debit card originated in the United States in the 1960s and was originally introduced as a tool to replace cheque payment. With the development of electronic payment technology and the popularization of bank card business, debit cards are rapidly popularized and gradually become an important way of people's daily payment. It can be seen that there was no debit card in the United States in 19 18.

Debit cards are divided into transfer cards, special cards and stored value cards according to different functions. Debit cards cannot be overdrawn. The transfer card has the functions of transfer, cash deposit and withdrawal and consumption. A Special card is a debit card that is used in a specific area and has a specific purpose (except for department stores, restaurants and entertainment industries), and has the functions of transferring money and depositing and withdrawing cash. Stored value card is a prepaid wallet debit card in which the bank transfers funds to the card for storage according to the cardholder's requirements, and directly deducts money from the card during the transaction.