Debit or Credit?

When making everyday purchases, your TruStone Financial Visa® credit and debit card are easy and convenient forms of payment. With wide retail acceptance, your Visa cards are easier than writing checks, safer than carrying cash and provide reliable fraud protection. However, when you get to the checkout, you are asked to make a choice – debit or credit? The question comes up nearly every time you make a purchase. Do you know when to use each option? Use the information below so you can make your decision before you even get to the register.

DEBIT
When you swipe your card at the time of purchase and select “debit,” you must enter your Personal Identification Number (PIN). The funds are then immediately deducted from your bank account. As simple as that, the sale is complete. Many merchants even offer the ability to get cash back when you make your purchase. Just follow the prompts on the display to select the amount you’d like to receive. Debit is the best option when you are on a budget, watching your finances or want to make a quick payment.

CREDIT
At the time of purchase, swipe your card and select “credit.” This transaction requires a signature and is then processed by the credit card company. Depending on the card distributor and retailer, your funds may or may not be immediately deducted from your bank account. Credit is the best option when shopping online, making large purchases or traveling due to increased anti-fraud protection implemented by the credit card companies.

ADDITIONAL BENEFITS

  • Earn reward points every time you use your credit or debit card with our exclusive CURewards You earn one reward point for every $5 purchased on your TruStone Financial Visa debit card and you earn one reward point for every $1 purchased on your TruStone Financial Visa credit card.
  • TruStone Financial’s newest payment technology, MobilePAY, now offers Android Pay™, Apple Pay™ and Samsung Pay™. Add your debit or credit card for a convenient way to pay on-the-go with your phone or device! Visit TruStoneFinancial.org/mobilepay for more information.

To help you find the perfect TruStone Financial Visa credit card use our comparison chart below.