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.



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Consumer Help Desk