We all get the same question every time we make a purchase with our PinPOINT Visa debit cards: “Debit or Credit?” Which is better?

Using your PinPOINT card as credit still automatically withdraws money in your checking account like a check or a debit transaction, but it offers the security of a signature approval and avoids the use of a PIN number. When a signature is used to approve a credit purchase, handwriting analysis can later be used to detect fraud; whereas, the use of a PIN number does not distinguish the owner of the card from a thief. As always, transactions using your PinPOINT Visa debit card should be marked on your transaction register because the funds are taken directly from your checking account, but using the credit option is a more secure way to purchase any item. So the next time you’re at the register, think about a more secure way to pay!