The Difference Between Credit or Debit
with Your Check Card

Many people are confused about the difference between credit and debit when paying with their check cards. The answer is simple. It has to do with the method of payment you prefer to use.

Credit: When you choose the credit option with your check card, it is processed through the VISA network and you will receive a signed receipt at the end of the transaction.

Debit: When you choose the debit option with your check card, it is processed through the ATM network and your cash is automatically deducted from your checking account. You will be asked to enter a personal identification number (PIN) to complete the transaction.

Credit	Debit
Float period before the transaction is processed (usually 2-3 days).	Money taken from checking account immediately.
Detailed record-keeping;merchant's name listed on statement.	No indication of merchant on statement; just address.
Just sign receipt.	Must enter PIN #, in plain view.
Earns interchange income from Visa USA, for Allegacy, which is given back to you in the form of higher savings rates, low or no fees, and lower loan rates.	No interchange income earned.