Annual Notice Regarding Non-Visa® PIN-Less Debit Transactions

Annual Notice Regarding Non-Visa® PIN-Less Debit Transactions

To ensure debit card users are notified, Visa® requires us to share the following information. Your transactions may not be processed as Visa® transactions within a specified ATM network.

You may use your Visa® debit card to initiate both Visa® debit transactions and non-Visa® debit transactions without using a personal identification number (PIN) to authenticate the transactions.

To initiate a Visa® debit transaction, you may sign a receipt, provide a card number, or swipe your card through a point-of-sale (POS) terminal and choose to route the transaction over a Visa® network.

To initiate a non-Visa®a debit transaction, enter a PIN at a point-of-sale terminal or, for certain bill payment transactions, provide the account number for an e-commerce or mail/telephone order transaction after clearly indicating a preference to route it as a non-Visa® transaction. We have enabled non-Visa® debit transaction processing on the Pulse ATM network(s).

The rights and protections applicable only to Visa® debit transactions, including additional consumer liability limits and streamlined error resolution procedures, as described in your Electronic Fund Transfers Agreement and Disclosure, will not apply to transactions processed through non-Visa® networks.

Please contact us with any questions you may have regarding this notice at 800-779-5555.