How does a debit card work?

Our debit cards are backed by Visa and work like a credit card. You can use the debit card to withdraw funds from an ATM using a PIN number. You can also use a debit card to make purchases wherever Visa is accepted. When you use your card with a PIN number, otherwise known as a PIN transaction, that transaction will be deducted from your account immediately. If you use your card like a credit card, you do not enter your PIN number, that transaction will not hit your account until the merchant sends the file out. This means that transaction may not hit your account for a day or two.

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