In most cases your debit card will be declined if you have no money in your bank account.
That is unless you have overdraft protection and your bank allows you to overdraft your checking account then they may allow the purchase to go through.
But for the most part if you have no money in your checking account or on the debit card then the debit card will be declined.
Before making a purchase with your debit card make sure you have enough money in your checking account to ensure the debit card goes through.
In some cases the card may have also been blocked which prevents the card from going through and if so you would need to contact the bank to unlock the card.
Insufficient funds in your account is one of the main reasons a card is declined
If the balance on your bank account is too low, or you get close to or go over your credit card's credit limit, your card may be declined.
Common reasons for your debit card to be declined include.
Attempts to exceed your daily transaction amount.
Lack of available funds.
Expired card information is being used.
Possible magnetic strip damage (in this case, you'll need a new card).
If you don't have enough money in your account to cover a payment, your bank may simply decline the transaction.
But that's not all that can happen: Fees pile up: When you have insufficient funds, your bank will charge you a fee—usually between $27.00 and $35.00