Keep the Information Flowing
Small contributions go a long way. Your donation to Consumer Action, a 501 (c)(3) nonprofit, nonpartisan organization, can help us cover the cost of research, writing, and translation of our materials. To keep our services free for those who need them. Select an amount to give.
Released: January 18, 2006
Help Desk FAQ
Debit Cards
Is there a difference between signing for a debit card purchase and using my PIN?
Yes. You can use your debit card in two ways. Many stores allow you to select the payment option you prefer.
PIN-based transactions: You can make online debit card transactions at many stores that have a PIN keypad. PIN-based transactions—those that require you to enter your personal identification number—may not be covered by your bank's "zero liability" fraud protection policy, so it's a good idea to ask in advance. Some banks charge customers a fee on transactions that require a PIN.
Signature-based transactions: These require you to sign for your purchase instead of entering a PIN. Signature-based transactions are considered "off-line" use. At many point-of-sale payment machines, you must press "credit" in order to make a signature-based debit card transaction.
Quick Menu
Support Consumer Action
Join Our Email List
Consumer Help Desk
- Help Desk
- Submit Your Complaints
- Presente su queja
- Frequently Asked Questions
- Links to Consumer Resources
- Consumer Service Guide (CSG)
- Alerts
- Consumer Booknotes