Debit or Credit?
When you use your MasterCard® Debit Card, you may be asked whether the transaction should be processed as a debit or credit purchase. There is a difference, but no matter what you choose, the purchase is deducted from your Share Draft Checking account.
What’s the Difference?
By choosing “debit” the transaction is processed through the ATM Network and requires you to use your Personal Identification Number (PIN) which offers you the ability to obtain cash back as well.*
By choosing “credit” the transaction is processed through the MasterCard® Network and you will be required to sign a receipt. You will NOT be able to obtain cash back through this option. However, there is no limit to the number of transactions processed this way and you will not be charged a fee. So remember to choose “credit” to avoid costly fees.
*You may be charged a fee by the merchant to process the transaction in this manner.
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