Not on a debit card Sandy. You simply use the cash in your account. An alternative to carrying cash, free unless you overdraw your account.

I carry a balance on one credit card - it is at 4.99%. Lower than my mortgage although that interest is deductible. Credit cards are great if you use them properly. Too many people forget that they have to eventually pay off the balance. And yes - some banks take advantage of this "Instant Gratificatio" need and lead people into serious debt.

Watch and see how they try to get this $600/1200 refund before it is even mailed.