There may be. Here are some examples of potential fees associated with using a debit card: 1  If you use your debit card to withdraw cash from another institution’s ATM, it would incur a fee, from one or possibly both banks involved.2  Your bank could charge you point-of-sale transaction fees. Merchants may impose a surcharge for using your debit card. 2  ARCO or ampm, for example, will charge you 45 cents extra when you pay with a debit card. 3  Merchants are not allowed to surcharge credit cards, but will, in some cases, surcharge debit cards.