Signature-based Debit Card Transactions
When you are asked to choose debit or credit when making a debit card transaction, please choose credit. This simple step reduces the card-processing fees DVCU pays, and we can pass this savings back to you, our members.
- Choose "credit" not "debit" when asked, and sign for your purchase. Funds are still immediately withdrawn from your account, and in most cases you will still receive a receipt.
- If a PIN (personal identification number) is requested the transaction is not signature-based. Ask the clerk to rerun the transaction as "credit."
- Most pay-at-the-pump and Internet purchases are also signature-based, even though you don't have to provide an actual signature. Ask the vendor if you are unsure.
