Key Takeaways Common debit card fees include monthly maintenance, overdraft, ATM, and foreign transaction fees; prepaid cards may have inactivity fees.

Using an ATM simply involves inserting your bank-issued ATM card, entering your personal identification number (PIN) and following the prompts on the screen to complete your desired transaction.

There are some warning signs to look for before using your credit or debit card in an ATM or gas pump.