Using your Visa Debit card is fast and easy.

A Visa Debit card works like a check, only better —when you make purchases, the amount is deducted directly from your checking account, but with the added security of a Visa card. With Visa’s Zero Liability Policy you’re protected from fraudulent charges. 

Ways you can complete your debit transaction include:

• Signing a receipt.

• Placing an order online, by phone or by mail.

• Entering your PIN.

• Swiping or inserting (chip)* your card at merchants that do not require a signature.

*EMV** cards include a secure microprocessor chip that performs cryptographic processing during a payment transaction. In an EMV transaction, which includes dynamic data, the card is first authenticated, followed by verification of the cardholder. The transaction is then authorized online or offline, according to issuer-determined risk parameters.

**EMV is an open standard set of specifications for chip cards and acceptance devices.

Visa’s Zero Liability Policy covers U.S.-issued cards and does not apply to certain commercial card transactions, or any transactions not processed by Visa. You must notify your financial institution immediately of any unauthorized use. For specific restrictions, limitations and other details, please consult your financial institution.

With your Visa Debit card, you can sign for your purchases, or in some cases enter a PIN when a merchant provides a PIN pad.  In other instances, you can pay without signing or entering a PIN, generally for purchases below $25 (or below $50 at grocery stores).

When you sign for your purchases, you get security protections that help prevent, detect and resolve fraud. Many rewards programs also require you to sign to collect rewards points.  You will also receive added security protection for online, phone and mail orders, and for transactions up to $50 that don't require your signature.

If you’re using your card with a PIN pad or terminal, you may still be able to sign for your transaction. On some terminals, you may be required to swipe or insert your card without selecting CREDIT/DEBIT. In these cases, you may press CANCEL to sign or tell the cashier you want to sign for your purchase. 

When you press CREDIT for a Visa Debit card transaction, you do not pay a credit card fee or interest. Your Visa Debit card still works like a debit card, not a credit card.

If you use your PIN for your Visa Debit card transactions without signing, you may not receive the same security protections for transactions not processed by Visa. 

You can get cash back when you use your Visa Debit card at many merchant locations. To get cash back, press DEBIT instead of CREDIT. You will be prompted to enter your PIN and select the amount of cash that you want to complete the transaction. 

When using your card to withdraw cash at an ATM not owned by your financial institution, both your financial institution and the ATM owner may charge a fee. The ATM owner is required to tell you that a fee is being charged and how much it is.

Many Visa Debit cards have daily cash withdrawal limits of up to $1,000. Daily spending limits may be higher. These limits are meant to protect you in case your card is lost or stolen. Your card may be declined if you make daily purchases that exceed your daily withdrawal limit, even if you know you have plenty of funds in your checking account. You should contact your financial institution for more information on purchase and ATM withdrawal limits.