> Maybe it works differently where you are from It is not normal here to have direct debits from savings accounts. That is what a checking account is for. Si

> Maybe it works differently where you are from It is not normal here to have direct debits from savings accounts. That is what a checking account is for. Since Apple does not have a checking account, most Apple Card/HYSA users have a regular bank account somewhere else already. That's where the debits would be happening, so moving the money from one HYSA to another is low impact. And as someone else mentioned, it's pretty common not to use debit at all. I use my Apple Card for all my utilities in addition to all my regular purchases. I can move money from my checking account over to my Apple card/HYSA in a couple seconds, so it works out pretty conveniently.