To report a lost or stolen debit
card after regular business hours, please call:
1-800-528-2273
WHY ARE YOU ASKED "DEBIT OR
CREDIT" WHEN USING YOUR VISA CHECK CARD
The Difference Between "Debit or Credit?"
It's time to pay for groceries at the supermarket, so you tell
the cashier you’re paying with your Visa Check Card (debit card). He then
asks, "Debit or Credit?"
Ever wonder why you’re asked this question?
The merchant is simply asking how you would like the transaction
to be processed.
No matter how you respond-"debit" or
"credit"-the purchase will deduct from you CHECKING account. In other
words, if you say "credit" the purchase will NOT get billed to a
credit card.
What is the difference?
DEBIT - If you say "debit". the transaction is
processed through the ATM network and you must use a personal identification
number (PIN) and it will count toward your 15 free transactions per month.
CREDIT - If you say "credit," the transaction is
processed through the Visa network.
It all depends on personal preference. But here’s a
little-known fact: When you choose "credit" and sign for the purchase
it actually helps your credit union and other members because Visa transactions
are more efficient and less costly than ATM transactions.
So, the next time you’re asked, "Debit or credit?"
help your credit union and say "credit" and see how simple your Check
Card is to use!
Tips To Protect Yourself From Card Fraud
Plastic fraud is on the rise but you can limit
your risk if you follow these tips.
- Keep personal information secure at all times.
- Black out your account number information before
disposing of receipts and statements.
- Do not write your card account number on a check.
- Do not give your account number out over the
telephone unless you initiate the call.
- Know the approximate date that your bill should
arrive each month.
- Before making a purchase using your card over the
Internet make sure that the merchant has the proper
security measures in place.
- Inspect you credit report at least once a year and
report any discrepancies immediately. Call
toll free 1-800-759-5979.
The Keys to Keeping Your Plastic Cards Safe
Card safety stars with keeping constant control of
your cards and your numbers. Here are some simple
"do's" and "don'ts" that can help keep the risk of
being
taken advantage of to a minimum.
DO'S
- Sign your plastic cards with permanent ink immediately upon receipt.
- Commit your PIN to memory.
- Carry only the cards you plan to use.
- Store unused cards in a secure, locked place.
- Open your billing statements promptly and reconcile your account(s).
- Review all plastic card transactions carefully, and immediately report any thing you find unusual, or transactions you don't recognize.
- Inventory all plastic cards and keep a listing separate from where you store your cards.
- Take receipts with you (including carbons) or tear them up before the are thrown away.
DON'TS