i just have the membership get charged to my credit card.
Does chess.com auto-draft?
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I only have a debit card. 
I have a 1 year membership that is $29.95, I pay with my debit card. Chess.com does automtically renew it unless notified oltherwise.
I'm strongly considering a paid membership, but I live from check to check on a small, fixed income and would have to pay by the month. I don't want to get an accidental overdraft.