With data breaches continuing across the globe, consumers are still wondering how they should be paying for goods and services. Everyone wants their information to be safe but not everyone knows the best way to protect themselves.

This is especially true when it comes to using your debit card. One way to protect your information is by choosing credit when paying and signing for a debit card purchase. This adds an extra layer of security on your transaction and helps to avoid fraudulent charges.

Ask to Sign– Swipe your debit card and ask to sign for your debit card purchase instead of using your PIN. When you use your Visa Debit Card and sign the receipt, you retain more security features on your purchase. These Visa security protections include: Zero Liability to protect you from unauthorized charges, fraud monitoring, and dispute resolution if there is something wrong with your purchase. Zero Liability Protection gives you 100% protection against fraudulent charges, unless you are negligent or fraudulent in handling your account or card. This means you’ll never have to pay for unauthorized use of your Visa Debit card. You should ask to sign when using your debit card because it keeps your information safe and protects you better against unwanted charges to your card.

Debit cards give easy access to your money, but make sure you are doing everything you can to keep your information safe and avoid fraudulent activity on your account. If you have any questions, please call us at 615-256-8712 and a US Community Credit Union representative will be happy to assist you.