Crypto Wallets are great for holding your crypto in your own personally wallet instead of on a centralized exchange.  It is safer and you have much more privacy and control with your crypto funds inside of a private wallet but the transaction fees are typicaly higher than on centralzied exchanges.  I recommend the most popular private crypto wallet in the world: Exodus wallet.  They have a phone app and computer app and many types of crypto assets to choose from.  You can use a debit card to deposit funds into your crypto wallet, but you can not withdrawal cash from your crypto wallet to your bank account.  you will need a centralized crypto exchange to cash out your crypto to your bank account.