Skip to Main Content

Glossary

Login Menu
Close
Loading Branch
Looking for a location near you?

Simply click the target to find your nearest banking office or enter your ZIP code and press search.


Ever been confused when you use your debit card?

If you’ve ever wondered whether to select debit or credit, US Debit or Visa Debit, then read on!

When using an EMV chip card, you may be prompted to select US Debit or Visa Debit.
• Selecting “Visa Debit” or “Credit” means the transaction will run as credit.
• To be prompted to enter a PIN, you should select “US Debit” or “Debit.”

Here’s additional information about our debit cards.
Running as debit:
• Requires you type in your four-digit PIN number.
• It’s the only way to get cash back (with no ATM fees).
• Purchase amounts automatically deduct from your account.

Running as credit:
• Transactions run this way will most likely not come out of your account immediately but will be charged in a batch when the store closes, though this varies by merchant.

Either option you choose – thanks to Visa’s Zero Liability Policy – you won’t be held responsible for unauthorized charges. You can breathe easy, knowing you’re protected if your card is lost, stolen, or fraudulently used – online or offline.

Previous Post: Frequently pay at the pump? Learn More

Next Post: Are you still counting on cash for payments or going exclusively electronic? Learn More

Ready to get started?
Contact Us Anytime 740-653-7242 Email
Tax refund: It’s your money. What are you going to do with it?

The average tax refund in 2017, according to the IRS, was $3,120. If you’re like…

Learn More

When payment processors come calling, here’s what you should ask

It’s tempting to say yes when a new salesperson shows up at your business offering…

Learn More

Vacation on your 401(k)? It could cost you.

It’s time! Months, maybe years, of planning have led to this moment: the family is…

Learn More