It's difficult to keep track of debit card transactions, especially when you use a debit card as a replacement for cash. But since debit cards are usually linked to your checking account, you must keep tabs on the debits, or risk expensive overdraft fees, declined charges and returned checks. Mismanaging your debit card usage can be very expensive and could cause the bank to close your account. Fortunately, banks offer a variety of convenient options for monitoring your debit card usage.
Register for and sign into your bank's online checking or savings account management system. Select "All Available History" or "Online Statements" to view records of your debiting history. Some banks also allow you to retrieve archived statements related to your account if you need to research a very old debit card charge (usually up to a year).
Sign into your bank's online chat system. Many banks now have a "Chat with a Representative" option for online accounts. You will be asked to give the online representative your name, account information (address, account number) and the last four digits of your Social Security number to verify your identity. The representative can display specific debit charges or a list of charges from your debit card history.
Call your bank's toll-free number to retrieve debit card history. You will need your account number and phone PIN to access your history this way. You can get this information from the automated system, since many banks keep data from the last one or two statements linked to their phone systems for retrieval.
Speak to a live representative who can verify your debit card transactions over the phone. The representative can also send you a copy of your debit card statement through the mail for your records.
If you make a very expensive charge on your debit card that could come into question down the line, download the online statement that the charge appears on and save it to your computer under a special folder for future reference. Also, be sure that the account number is blanked or "X"ed out on the statement so that no one else can retrieve your personal account details when using your computer. Keep your bank account statements for at least three years. It can be a difficult and lengthy process for the bank to retrieve information from that far back. You may also be charged a fee for the bank to obtain archived records.
Things You'll Need
Bank account PINs and passwords