No delay between buying and paying like a credit card Of course, you can not live without small change in your pocket. However, I usually carry only small money. A debit card is useful for a person like me. For example, it is very convenient to travel without cash. Actually, in Australia I spent less than 800 Australian dollars shopping with my debit card.
Some people complain that they use spaces for details in their bankbook too fast.
However, if you use Citibank, they send details by mail to you periodically so that you do not have to use a bankbook. Now, I never use a debit card for payments. The reason is that my main bank is not dealing it. Actually, I have two accounts in other banks that deal with debit cards. However, I keep little money there and am thinking of canceling the accounts quite soon.