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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.

• Using credit can be safer because a PIN number is not required.

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.

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ATM

Our convenient ATMs provide a quick and easy way to do your banking, including making a deposit, transferring money, paying a loan, getting cash and much more. Simply insert your card and go through the easy-to-follow prompts on the screen. It’s a simple, safe and secure way to get your banking done!

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Drive Thru

Our drive-thru locations provide you the opportunity to make deposits, pay a loan, transfer money, get cash and more, all without leaving your car.

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Night drop

Our night drop is an easy way to utilize contactless delivery, and it can be used for deposits and loan payments. Include a deposit slip and your payment information in an envelope and place it the night drop slot, and an associate will take care of it the next business day. It is a simple, safe and secure way to make a deposit or payment.

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