CHOOSE THE ADVANTAGES OF CREDIT

Ever wonder why the cashier or salesperson asks "Debit" or "Credit", when you are ready to pay for your purchases with your VISA debit card?

It's because your answer determines how your transaction will be processed.

If you want to authorize the transaction using your PIN (personal identification number), you reply, "debit." The transaction will be processed through the STAR/ATM network. If you reply "credit," the transaction will be processed through the VISA network. Whether you answer "debit" or "credit," the amount is always deducted from your share draft checking account. There are a few important differences, however.

1. With the credit function, there is no need to remember your PIN, or risk having it viewed by unauthorized persons.
2. Credit transactions are more efficient. When you reply "credit," you are helping your credit union reduce costs and labor.
3. Credit transactions are covered by overdraft protection.
4. When you sign for your purchases, you get security protection, that helps prevent, detect, and resolve fraud. Visa offers "zero liability" if someone uses a stolen debit card for unauthorized purchases.

To find out more about PFCU's VISA debit card, contact your credit union today.