ATM / Debit Cards - Should I select DEBIT or CREDIT?

The Bank of Geneva MasterCard® MasterMoney™ Debit Card may be used at a point-of-sale location (like a department store or gas station, for example) for a PIN-based transaction or a signature based transaction. In other words, you may choose to select either the CREDIT or DEBIT button. There are good reasons for either choice. Given the increasing threat of identity theft, you might want to consider the option of making a signature-based transaction and pressing the CREDIT button.

  Pressing Credit… Pressing Debit…
Considering that…

The retailer will request to verify your signature with the one on the back of your card.

 

If you are in a hurry, and feel secure doing so, you may wish to press DEBIT instead.*

You will be required to provide your PIN number by entering it in a keypad.

 

You may not want others to observe your PIN #. Pressing CREDIT instead will provide you the peace of mind of a signature-based transaction.*
Security...

Your signature is required

Your PIN Number is required.
Fees...

No fees to you.

Fees may be charged to the cardholder by retailer.
Benefit to you...

Security.

Fast / Simple.

* Note: Individual retailers may have rules governing their acceptance of PIN-based or signature-based debit card transactions that may effect your options.

ATM Card Security Notes: Please DO NOT write your PIN-number on your ATM/debit card. Please DO NOT store your PIN-number in the same location as your ATM/debit card. If your card is lost or stolen, call the Bank of Geneva immediately at (800) 274-5127.