Check a MasterCard debit balance by reading a bank statement or using an ATM machine to access the account associated with the card. Individuals must open a checking account with a bank or credit union to obtain a debit card, according to Consumer.gov.
Debit cards differ from credit cards in that a debit card takes money directly from a checking account each time the card is used. Individuals can insert the debit card into an ATM machine and follow instructions for accessing account balance information. They must keep track of checking account balances connected to debit cards to avoid account overdraft fees or card use denials. Unlike debit cards, purchases using credit cards borrow money from the credit card company, which must be paid back once the monthly bill arrives, explains Consumer.gov.
MasterCard debit cards provide cardholders with services such as emergency card replacement and cash advances. Identity theft service is available 24 hours a day and includes notifications to credit bureaus and free identity theft alerts, MasterCard notes. Travel services let cardholders purchase airline tickets and reserve hotel rooms. People using MasterCard SecureCode receive added protection for debit cards used to make online purchases by going to the card issuer's website and creating a private security number.