"I wanna put some money on my debit card."
"I'm making a payment to my debit card."
Because your pretty, photo-enhanced, Visa-branded bank card is actually, what, a re-loadable Starbucks gift card or something? I don't think so. You make a deposit (again!) into your CHECKING ACCOUNT and use your debit card, or checks, to take that money back out. The debit card is just a tool, a way of connecting you to your checking account. And it's not a credit card that you make payments to; you cannot spend the money ahead of time and then make a deposit-- at least not without racking up heinous overdraft fees or even bouncing your checks.
"Can I make a deposit into my credit card?"
No, because that is WRONG. That balance on your credit card is money that the bank has lent you (at great profit to ourselves, I might add, you fool) so that you can have the dubious pleasure of frittering money away on concert tickets and beer before you actually have those funds to spend. What you are trying to do now is PAY THE BANK BACK for your purchases, ergo, making a payment.
The fact that I hear these things so often connects, I think, to the rampant over drafting of checking accounts that goes on around here. People seem to think that their debit cards are like either credit cards (that they can spend the money before it's deposited) or like gift cards (that the card just empties out and when there's none left, they don't work.)
"Is my checking account number what's on the front of my check card?"
No, it's not. Your checking account number is a 12-digit number that remains the same from the time you open the account until the time you close it. Your check card is a 16-digit Visa or MasterCard number that changes for many reasons-- when the card expires and is reissued, when you lose a card and have to have it replaced, you compromised the card number somehow. It's not necessary to memorize your account numbers, but having a basic knowledge that those numbers exist is helpful.
"I wrote somebody a check two months ago and they didn't cash it until yesterday! Now I have overdrafts. This is clearly a bank error, so I demand that those fees be refunded."
Listen, you. Checks are good for a long time. Six months, generally, for personal checks. The bank is not in error for processing the check a mere sixty days later. The only person in the whole wide world that knows that you wrote that check is you. If you don't mentally subtract that amount from your balance (or, heaven forbid, keep a check register with a running tally of everything you've spent) and keep it subtracted until the check clears, that's nobodies fault but your own.
Thank you, I feel better now.
(Kids these days, sheesh.)