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Opening a debit card together with a checking account is not always obligatory, but it is a widespread and practical choice. A debit card provides convenient access to the funds in your checking account, allows you to make purchases at various retail outlets, both in stores and online, and to withdraw cash from ATMs. Having a debit card simplifies everyday transactions and eliminates the need to carry cash. If, for personal reasons, you prefer not to have a debit card linked to your checking account, you can discuss this with your bank. Keep in mind that having a debit card enhances the versatility and security of your checking account, making it a valuable addition for most people.