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Five smart ways to use your debit card

Your debit card is more than just a way to pay —  it supports smarter money habits and everyday growth. Whether you’re managing routine expenses or looking to grow your savings, these five strategies will help you make the most of your debit card.  

1. Spend on what you need — earn on what you keep.    

Most people associate rewards with credit cards, but that’s not always the case. Smart spending can start with your debit card, too. With Bask Bank®, you earn competitive interest on the money you keep in your account — no points to track, no rewards to redeem. It’s a simple way to grow your balance while using your debit card for everyday purchases.

Your debit card gives you convenient access to your funds, making it easy to cover daily expenses like groceries, gas and dining. Meanwhile, your account continues to earn interest, helping your money grow passively.  

To get the most out of your account, use your debit card for recurring bills and subscriptions to keep your spending centralized. Monitor your balance regularly to ensure you’re maximizing your interest potential and avoid unnecessary transfers that could reduce your earnings. With a few smart habits, your debit card quickly becomes a powerful tool for everyday spending.   

2. Use a high-interest checking account. 

Tired of earning 0.01% on your checking account? Open a high-interest checking account and enjoy the benefits of a debit card that lets you earn while you spend. Unlike traditional checking accounts, high-interest checking accounts actually help your balance grow. You earn interest on the money in your account with no additional effort, and your funds stay accessible for everyday use.

The Bask Interest Checking Account is a standout option, offering a competitive 1.00% Annual Percentage Yield (APY)¹, with no monthly account fees. That means you can earn more without changing your spending habits.

Explore Bask’s Interest Checking Account to see how easy it is to start earning interest today

3. Set up automatic payments.  

Using your debit card or checking account to set up automatic payments for recurring expenses — like utilities, streaming services or insurance — can help you stay organized and avoid late fees. With Bask Bank, this process is even easier thanks to Bask Bill Center. 

What is Bask Bill Center? 
Bask Bill Center is a centralized hub that lets you manage, schedule and automate your bill payments — all from one place. It’s designed to simplify your financial routine and give you more control over your monthly obligations.

With Bask Bill Center, you can schedule one-time or recurring payments, view all your upcoming bills and payment history in one dashboard and get payment reminders to help you stay on top of due dates. Automation helps you avoid missed payments and late fees, so you keep more of your hard-earned money.

The benefits add up quickly. Your bills get paid on time every month, your monthly budgeting gets easier and you build a consistent payment history.

4. Track spending in real time. 

One of the most powerful features of using a debit card is the ability to track your spending in real time. Bask Bank’s Manage Debit Card tool takes this a step further by giving you full control over your card activity — all in one place.

What is Manage Debit Card? 
Manage Debit Card is a digital tool built into your online and mobile banking experience. It’s designed to help you manage your debit card with ease and confidence. With our Manage Debit Card tool, you can monitor transactions instantly to stay on budget, set spending limits to support your financial goals and lock or unlock your debit card if it gets lost or stolen. You can also customize alerts for purchase and ATM withdrawals and quickly report a lost card and request a replacement.

This visibility helps prevent fraud with real-time alerts, encourages better spending habits and gives you peace of mind with 24/7 control. 

To set up Manage Debit Card, simply log in to Bask Online Banking. From the dashboard, click on Menu, navigate to Account Services and select Manage Debit Card to begin. It’s a quick and easy way to take control of your card settings. 

5. Use your debit card for everyday purchases. 

Think of your debit card as your go-to payment method for regular expenses. Whether you’re buying groceries, filling up your gas tank or shopping online, your debit card offers a secure and seamless way to pay. And many debit cards, including Bask Bank’s, support mobile wallet integration and contactless payments, making checkout even faster and more secure.

More benefits of using a debit card

• Instant access to your funds: Your debit card pulls directly from your checking account, giving you immediate access to your money. No borrowing, no waiting and no approval processes. It’s your money, available when you need it.
• No interest charges: Since you’re spending your own money and not using credit, you won’t pay interest on your purchases. This makes it easier to stay debt-free and in control of your finances.
• Widely accepted: From local shops and online stores to international travel, debit cards are accepted almost everywhere. They’re a reliable payment method for both everyday use and big adventures. 

Ready to make the most of your debit card? 

Your debit card is more than a payment method — it’s a tool for smarter financial living. From earning interest and tracking your spending in real time with Manage Debit Card to automated bill management with Bask Bill Center, there are countless ways to make your debit card work for you.

Want to explore how Bask Bank can help you simplify your spending and maximize control? Open a Bask Interest Checking Account to order your debit card and start using convenient tools that simplify spending and boost financial confidence.