Credit vs. Debit Transactions

Visa Debit Card reward points require signature-authorized transactions to earn points. PIN-based, point-of-sale, ATM transactions, cash withdrawals, and checks do not earn points.

Remember that some merchants do not have you sign for purchases under $50 or $25. In these instances, you still earn points even if you don’t physically sign. As long as you don’t enter a PIN, you earn points.

Visa Debit Card transactions are processed as either credit transactions or debit transactions.

Credit Transactions

Credit transactions are also referred to as signature-based transactions.
You swipe your Visa Debit Card and select credit on the keypad (and often hit “cancel”), or tell a sales associate it is a credit transaction.
You sign for your transaction and no PIN is required.
Your transaction is not withdrawn from your account immediately and will be held against your available balance.
Your transaction appears with the merchant name.
Purchases made over the phone and via the internet are processed as credit transactions.

Debit Transactions

Debit transactions are also referred to as PIN-based. There are two types of PIN-based transactions: POS and ATM.
You swipe your Visa Debit Card and select debit on the keypad.
You enter your PIN on the keypad.
Your transaction is debited from a designated checking account immediately.
Your transaction is posted with the merchant address and appears as an ATM transaction.
The ATM daily withdrawal limit is $500 (combined HVFCU and non-HVFCU ATMs) per card per day. Please refer to the Electronic Funds Transfer Disclosure & Agreement for further information.

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