A U.S. Visa‡ Debit card works differently than a Canadian client card, which has limited acceptance in the U.S. You will appreciate how useful it is for transactions in the States.

Remember, even though your debit card carries a Visa logo, it's still a debit card, and, unlike a credit card, the amount immediately comes out of your checking account.

Sign or enter a PIN for purchases

In the U.S., when making purchases, you’ll be able to choose whether to use a PIN or your signature to complete transactions. However, if you are opting to receive cash back with a debit-card purchase, you must use your PIN.

You can make the choice at the card terminal when paying. Press CREDIT to sign for your purchase. Press DEBIT to enter your PIN. 

Shopping, dining, and entertainment

Since your U.S. Visa Debit card is accepted wherever Visa and NYCE are accepted, you’ll be able to use it for dining, shopping, entertainment, accommodations, online, and all the places you see the Visa logo.

Paying for fuel at the pump

In the U.S., paying at the pump often requires you to enter a U.S. zip code. A non-U.S. zip code associated with the card will cause the transaction to reject at the pump. If you have a Canadian address and want to use a debit card at a gas station, we suggest using your PIN or paying inside. (If your U.S. Visa Credit card is associated with a U.S. address and zip code, there’s no problem paying at the pump.)

Getting cash

Another reason Canadians depend on their U.S. Visa Debit cards is how convenient they are for getting cash back. You can get cash back with your debit card PIN at many larger retail merchants, such as grocery stores. Before you complete your transaction at the store, use your debit card and PIN to select “cash back” on the card terminal.

Of course, you can also withdraw cash at thousands of no-fee ATMs and other Visa, Plus, or NYCE ATMs.

Protection from liability in case of fraudulent use

With your U.S. Visa Debit card, you’re protected from liability resulting from fraud or theft by Visa’s Zero Liability Policy1 and by federal consumer protection regulations. However, ATM transactions or PIN transactions not processed by Visa may not be covered.

You may be asked to show a picture ID.

When using a U.S. debit card, for added security, it is quite common to be asked to present your photo ID at the point of sale. This is done for your protection as well as for the merchant’s protection to help prevent fraud.

Special discounts

Cardholders may receive valuable discounts when they use their Visa Debit cards at participating online merchants.

‡ All other trademarks are the property of their respective owners.
1 Visa’s Zero Liability Policy covers U.S.-issued cards only and does not apply to commercial credit cards, ATM transactions, or PIN transactions not processed by Visa. Cardholder must notify card issuer promptly of any unauthorized use. Consult issuer for additional details or visit www.rbc.com/security.