Since this isn't a credit card, there are no interests or fees on a debit card, so A is incorrect. B is also incorrect. You only need identification when you are withdrawing or depositing at a bank, but purchases made in stores or online do not need your identification. You also don't need to record transactions in your checkbook (but it is recommend to keep track of purchases). Modern day technology already records transaction history and all you need to do is access it online.
D is correct because if someone steals your PIN for your debit card, they could go to stores and use that money. You can dispute charges and report to the bank if that happens.
