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Advice Center


Visa* Debit Card Advantages & Limitations

In the United States, Visa Debit cards are convenient tools that...

Let you:

  • Make purchases in-store and online wherever Visa is accepted
  • Access cash & transfer funds at ATMs

Do not:

  • Earn rewards points for purchases
  • Require a PIN to complete credit transactions
  • Carry personal or account information that can be scanned at bank locations

It's also important to note that, even though U.S. debit cards carry the Visa logo, they are not credit cards. The amount of any purchase will be deducted from your U.S. checking account.

One unique feature of U.S. debit cards is the liability protection they offer the cardholder. Through federal regulations and Visa policies, most U.S. debit cards protect cardholders from the liability that arises from fraudulent use or theft.

When using a U.S. debit card, be sure to carry a picture identification card as you may be asked to present one at point of sale. Some merchants also require U.S. zip code verification for transaction approval.