A Robins Federal Credit Union VISA® Debit Card allows you to make purchases anywhere VISA® is accepted. When you make purchases, the amount is deducted directly from your checking account. 
A debit card:
- Is faster than writing a check
- Fits in your wallet
- More widely accepted than checks
- Allows you to make purchases online, over the phone, or at your favorite place of business
Plus you’re covered by the added protection of VISA®:
- Zero Liability for unauthorized purposes*
- Continuous fraud monitoring for suspicious activity
- Precautions to help with Identity Theft
- Security code that helps merchants verify your identity when you make Internet and phone purchases
Pay for all types of purchases quickly and easily.
Just use your VISA® Debit card when you are ready to pay. It works fast, so there's no need to write checks or fumble for change. Plus, you'll save on trips to the ATM and can leave your checkbook at home. When you make a purchase with your debit card, you may be asked whether you want a debit or credit transaction. Your debit card works for either purchase.
For a credit transaction:
Swipe and Sign: Use your VISA® Debit card, tell the cashier you want to sign for your purchase and sign the receipt.
OR
At a PIN pad: Swipe your card, select CREDIT on the keypad and sign the receipt.
With a credit transaction, you will not have to enter your 4 digit PIN (Personal Identification Number). Choosing the "credit" option means you plan to forego the PIN in favor of signing a receipt. You get a copy of the signed receipt. This route protects you from potential fraud and protects you against someone stealing your PIN number.
Choosing "credit" gives you:
* A debit card purchase authorized with your signature.
* Access to more stores, since three times as many stores accept signature-based debit purchases as accept PIN purchases.
* "Chargeback" protections that allow you to get your money back if there is a dispute with the merchant.
For a debit transaction:
Swipe and Sign: Use your VISA® Debit card; tell the cashier you are using a debit card. You will have to enter your 4 digit PIN (Personal Identification Number) in order to complete the transaction.
OR
At a PIN Pad: Swipe your card, select DEBIT on the keypad. You will be prompted to enter your 4 digit PIN on the keypad and the transaction is complete. (At some establishments you may have to approve the total amount, and it may or may not ask you if you would like cash back before your transaction is complete)
Choosing "debit" gives you:
* A debit card purchase authorized by entering a PIN.
* The quickest way to check out, in most cases.
* The ability to get cash back.
It also works as an ATM Card
Your debit card also works as an ATM Card, allowing you to withdraw money at thousands of ATMs nationwide.** Simply enter your PIN and follow the instructions.
Getting Your PIN
After you receive a new debit card, you’ll receive your PIN in a separate mailing a few days later. If you want to change your PIN, simply go to any Robins Federal branch location and make the change. You can also select your PIN at any branch when you order your card. If you select your own PIN, be sure to select numbers that are difficult for others to guess. Never write your PIN down, or give it out to friends or family.
For more Debit Card Safety Tips, click here.
It’s Easy to Track Your Spending
However you use your debit card – either debit or a credit transaction – you can track your purchases and always know your account balance. And, of course, all transactions will appear on your monthly statement. You can track your spending through any of our FREE Online services including:
* VISA® liability guidelines apply; see a member service representative for details.
**ATM fees will be incurred when using a non-Robins Federal ATM. |
