What is a Debit Card Lesson

A lesson on banking basics and the essentials of debit cards including how they function, their benefits and drawbacks, and tips for wise usage. Students learn how to manage their debit card use responsibly.

This lesson covers what a debit card is, how it functions, and how it’s linked directly to your bank account for transactions. We dive deep into the benefits of using a debit card, including the convenience it offers, its widespread acceptance, and how it can serve as an effective financial control tool. We’ll also discuss the potential drawbacks, such as vulnerability to theft and its inability to help build your credit history. Discover practical tips to use your debit card wisely, from tracking your spending to protecting your card information, and the importance of quick action when it comes to lost or stolen cards. Students gain knowledge to help manage their debit card use responsibly.


Use this video lesson on the topic of bank debit cards. Learn related concepts of:

  • Debit Card Basics
  • Credit vs Debit
  • Secure Card Usage
  • Reporting Lost/Stolen Cards
  • Protecting Card Information
  • Financial Discipline
  • Building Credit History


7-12th grades. Middle School. High School. College. Adult Education.


45-60 minutes. It may be necessary to adjust the lesson plan and allocate more or less time to certain topics, depending on the needs and interests of the students.


Hand out the worksheet below (see the GET LESSON button near the bottom of the page).

Show students the video and have and have them complete the worksheet.  Review the questions on the worksheet.  A more comprehensive and detailed lesson plan can be accessed below for further instruction and study.

What is a Debit Card and How to Use It

After watching the video, have students tell what the most important things they learned from the video.


Lesson Plan: Understanding Debit Cards

Lesson Objective:

By the end of the lesson, students will be able to:

  • Define what a debit card is and differentiate it from a credit card

  • Understand the pros and cons of using a debit card

  • Learn how to use a debit card wisely


  • Video titled “What is a Debit Card and How to Use It”
  • computer
  • projector, pens, and notepads.

Lesson Duration: 50 minutes


Introduction (5 minutes):

Begin the lesson by asking students about their understanding of debit cards. Note down their responses on the board.

Video Viewing (15 minutes):

Play the video titled “What is a Debit Card and How to Use It”. Ask students to take notes as they watch the video.

Discussion (15 minutes):

Facilitate a discussion based on the video. Use the following discussion questions:

  • What is a debit card, and how does it work?
  • How is a debit card different from a credit card?
  • What are the advantages and disadvantages of using a debit card?
  • What measures can you take to use a debit card wisely?

Activity – Role Play (10 minutes):

Divide the students into groups of two. One student will play the role of a bank representative explaining the concept of debit cards, their use, benefits, and precautions to a new account holder (played by the second student).

Review (5 minutes):

Recap the main points from the video, the discussion, and the role play. Highlight the differences between debit and credit cards, the importance of protecting one’s information, and the pros and cons of using a debit card.


Each student will prepare a one-page write-up on how they plan to use their debit card wisely. The write-up should include insights gained from the video and class discussion.


Students will be assessed on their participation in the discussion, performance in the role play, and their homework. There will also be a separate quiz based on the video. The quiz will test the student’s understanding of what a debit card is, the difference between a debit card and a credit card, the pros and cons of a debit card, and how to use it wisely.

Additional Notes:

Encourage students to ask questions throughout the lesson to clear up any doubts or misconceptions. Ensure students understand that using a debit card responsibly is an essential part of financial literacy and health.


Lesson Resources

Get Lesson


For additional related lessons, explore our main category pages:

Categories Banking, Credit Cards, Spending Money, Tags , , , , ,

Leave a Reply

Your email address will not be published. Required fields are marked *