What’s the difference between “credit” and “debit” when it comes to using my VISA® Debit Card?

When you select “credit” the merchant will require a signature for your purchase (unless it is under $25.00) when you select “debit” the merchant will require you to enter a PIN for your purchase (without a signature) Patriot recommends that you select the “Credit” option instead of “Debit”. Here’s why:

• Protection: Your purchases are protected by VISA’s rules and regulations that allow you to dispute charges improperly processed by merchants governing chargeback rights.
• Lower costs: Patriot pays fewer fees per transaction which lowers our costs. By selecting “credit”, you’ll help the Credit Union provide lower loan rates and higher yields on savings and investment accounts!
• Completeness: More complete merchant information is available with online banking when your purchases are processed as “credit”.