These are also debit cards that work like checks, without the hassle. They can be used to purchase products at any merchant that accepts VISA or MasterCard. When using a check card no PIN is used (although they give you one for extra security for online or telephone inquiries). Instead, you will be asked to sign a transaction slip, as you would with credit card. If you are given an option at a POS (point of sale) machine, just push the “Credit” button on the keypad and sign. The amount will be automatically debited from your bank account. The cards look just like an ATM card, but cannot be used at an ATM.