Debit Cards

Debit Cards

Debit cards can be used at any merchant who has a point-of-sale terminal and accepts Visa Debit transactions.
A typical debit card transaction process works something like this:
1. The customer swipes the card through the terminal for authorization.
2. The customer enters the PIN as prompted by the machine.
3. Additional cash may be obtained with the sales transaction.
4. The merchant gives the customer a receipt.
5. The customer deducts the amount from their check register.
6. The transaction amount is automatically deducted from the customer’s checking account (just like a check).
7. Transactions appear in detail on the customer’s monthly statement.

OR

1. The merchant swipes the card through the terminal for authorization.
2. The merchant completes the sales slip.
3. The customer verifies the amount and signs the sales slip.
4. The merchant gives the customer a receipt.
5. The customer deducts the amount from his/her check register.
6. The transaction amount is automatically deducted from the customer’s checking account (just like a check).
7. Transactions appear in detail on the customer’s monthly statement.

Ask us about further details and applicable fees that may apply.

In accordance with Section 326 of the USA PATRIOT ACT signed October 26, 2001 all persons are subject to the identity verification requirements even though they may be a long term customer of and well known to the Bank.
For the purpose of the regulation, an “account” includes every formal banking relationship that entails ongoing services, dealings or transactions. Some examples are a deposit account, loan, trust relationship or safe deposit box rental.

If you request to open an account or become a signatory on an account with the Bank and the Bank has not previously verified your identity under the new regulatory requirements, the Bank may request documentary verification of your identity, such as driver’s license or passport and/or it will verify your identity through other non-documentary methods. We will ask for your name, address, date of birth, and other information that will allow us to identify you. Similar identification requirements apply to business entities such as corporations and partnerships.

In all cases, protection of our customer(s)’s identity and confidentiality is the Bank’s pledge to you.