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»FAQ: VISA Debit
»FAQ: Check 21
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Q. What is a Visa Debit Card?
A. The Visa® Debit Card is an enhanced ATM card that allows you to perform all the same transactions you could with an ATM card plus using it wherever the Visa logo is displayed. Your Visa Debit Card acts like a check and the funds are immediately deducted from your checking account.

Q. What are the advantages of using a Visa Debit Card?
A.  Your Visa Debit Card gives you the convenience of using it at locations that don’t typically accept ATM cards for payment but will accept Visa cards such as, department stores and restaurants.

Q. What are the features and benefits to using a Visa Debit Card?
A.  These are the Features and Benefits of having a Visa Debit Card.

General Features: Major Benefits
  • Visa Debit Card is not a credit card
  • Visa Debit Card acts like a check.
  • Visa logo allows member to perform same transactions as ATM plus, use it at locations wherever Visa cards are accepted.
  • Funds are deducted from checking (share draft) account
  • Immediate access to cash withdrawal when used as ATM
  • Saves time – transactions are processed faster than writing a check
  • Convenient – no need to carry a bulky checkbook
  • Offers the convenience and value of an ATM and checkbook combined
  • Worldwide acceptance of Visa

Q. How and when should I use it as a Debit card?
A.  The Visa Debit Card may be used as an ATM card for cash withdrawals at ATM machines or as a POS (Point of Sale) transaction at supermarkets or gas stations. Follow these easy steps:

  1. To use it for a Debit transaction, select DR or Debit
  2. Enter your PIN number to complete the transaction
  3. Funds are deducted from your checking account immediately

Q. How and when should I use it for credit transactions?
A.  The Visa Debit Card is usually used for credit transactions at locations such as, department stores that accept Visa but not an ATM. Follow these easy steps:

To use it for a Credit transaction, select CR or Credit

  1. You will be asked to sign sales slip to complete the transaction
  2. Merchant may ask for identification
  3. Funds are deducted from your checking account.

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