A Visa check card is a type of debit card that looks similar to a credit card but acts like a check because the purchase amount is deducted from the cardholder’s checking account.

Visa check card transactions can be completed in a number of ways: by signing a receipt; making a purchase on the Internet, by mail, or over the phone (receiving protection from Visa’s Zero Liability policy); or by entering a personal identification number (PIN).

• Quicker checkout: swipe, sign, and go. You don’t have to worry about having sufficient cash in hand or writing a check. Merchants also benefit from accepting Visa check cards with guaranteed payment and reduced costs from handling fewer paper checks.
• If you have trouble qualifying for credit, try using your Visa check card as a buy now, pay now payment method. Visa check cards are included automatically with most checking accounts, and can be used like a credit card for your purchases except the funds are deducted directly from your checking account and not borrowed.
• When traveling, consider using your Visa check card for purchases. It can be used at millions of merchant locations worldwide where Visa debit cards are accepted.
• Use your Visa check card as a budgeting tool to help you track your expenses and manage your money better.
• You can even pay your monthly bills or set up recurring payments with your Visa check card for regular bills such as cable, phone, or loans without having to worry about remembering to pay on time or buy stamps.
• Wallet too bulky? Tired of frequent trips to the ATM? Hate carrying around a checkbook? Carry your Visa check card instead.
• Your Visa check card can be used for larger purchases or reservations as well. For example, you can use your Visa check card to purchase an airline ticket or hold a reservation for a hotel room.

• The amount of your purchase is deducted from your checking account automatically—so be certain you have adequate funds at the time of purchase.
• Car rental companies may require you to present a credit card in order to reserve a car but you may pay for the rental at its conclusion with your Visa check card.
• To meet consumer demand for payment conveniences such as express/video checkout at hotels, pay-at-the-pump fueling, and one-swipe payment at restaurants, Visa has established processes to protect Visa check card issuers, merchants, and cardholders. Similar to how check deposits can’t be immediately withdrawn, account deductions can’t immediately be cleared when the final amount isn’t known this typically applies to hotel, restaurant, and pay-at-the-pump gas station purchases.
• For example, you may use your Visa check card at a restaurant and your card gets authorized before the tip is applied. For these types of purchases, Visa check card issuers may earmark cardholder funds to cover the estimated cost of the transaction. This process, known as a hold, safeguards both cardholders and merchants, ensuring cardholders don’t spend more money than they have and merchants are paid for the transaction. While most transactions have a less than 24-hour hold, Visa protects cardholders by requiring issuers or financial institutions to remove all holds within 72 hours.
• You could be charged two fees when you use your card to withdraw cash at an ATM that is not owned by your financial institution one by your financial institution, and one by the ATM owner.
• Some financial institutions charge transaction fees to customers who make Visa check card purchases or get cash back at supermarkets using a PIN. Ask your financial institution about such fees before using your Visa check card.
• Many Visa check cards have daily cash withdrawal limits of up to $1,000, and daily spending limits may be even higher. These spending limits are meant to protect you in case your card is stolen. Your card may be declined if you make daily purchases that exceed your daily withdrawal limit, even if you know you have plenty of funds within your checking account. You can always ask the bank to lower or raise your purchase or withdrawal limits to suit your spending habits.

• Know your current account balance. Don’t forget about checks that have not yet cleared your account.
• Always take sales receipts and carbon copies.
• Record your transactions in your check register as soon as possible. Remember to include any financial institution fees that may apply. Store your receipts safely in one place in case you need them later.
• Review your statements carefully. If you suspect a mistake, call your financial institution immediately. And always follow up with a confirmation letter.
• If your card is lost or stolen, contact your financial institution immediately. This reduces your liability if fraud losses occur.
• Keep your PIN private. Memorize it. Don’t write it down or write it on your card, and never tell it to anyone.

He or she is simply asking how you want the purchase to be processed.  It does not matter which you say, “debit” or “credit,” – the transaction will be deducted from your CHECKING account.  Responding “credit,”  will NOT bill your purchase to a credit card.

If you say “debit,” the transaction will be processed through the ATM network and you will need to use a PIN (personal identification number).

If you say “credit,” your purchase will be processed through the VISA network.  You will receive a signed receipt and will not need to give a PIN, which could improve the security of your card.

If your Visa Check Card is lost or stolen, call one of our offices immediately.

Waterford (740) 984-2357 or Crooksville (740) 982-2900.