Did you answer no? The correct answer is yes. Most employers today make it possible to pay their employees by direct deposits. They make it possible to deposit your check in more than one account dividing it between such accounts as checking, savings, even a pension account. When an organization hires an employee, they have the new recruit fill out a form that says where they want all their money deposited.

At the same time, you may receive a card that you can use at any ATM. You will be asked if it is a credit card or debit card. Always say credit. Why?

Two reasons:

If you touch “debit” the money is immediately taken from your bank account.

If someone gets ahold of your card and you checked “debit” they may be able to clean out your account in seconds.