When you select credit, the merchant will require a signature for your purchase. When you select debit, the merchant will require you to enter a PIN for your purchase.
We recommend that you select the credit option instead of debit. Here’s why:
- Protection: Your purchases are protected by Visa’s rules and regulations that allow you to dispute charges improperly processed by merchants.
- Rewards: A minimum of 15 credit transactions is necessary to earn your monthly Your Choice Checking Account rewards.
- Lower costs: We pay fewer fees per transaction, which lowers our costs. By selecting credit, you’ll help the ACFCU provide lower loan rates and higher yields on savings accounts.
- Purchase detail: More detailed merchant information is available on your statement and in Online Banking when your purchases are processed as credit.
With any debit or credit cards, ACFCU offers enhanced fraud protection, with automated ways for you to receive notifications and check on suspicious activity by call, text or email.