Debit cards pull funds directly from your bank account when making purchases or withdrawing cash. Setting up a PIN and monitoring account balances via mobile apps helps avoid overspending and fees.

In a TikTok with over 651,200 views, content creator Griffin Tomaino (@griffintomaino2) voices his concern about debit card owners being given the option to not use their PINs to confirm transactions.

This is an excerpt from Dollar Scholar, the Money newsletter where news editor Julia Glum teaches you modern money lessons you NEED to know, one week at a time. Don ...