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What's the difference between credit & debit?

Your teenagers can learn this and much more! Click here to learn more.

eServices

Teen Debit MasterCard

NEW Debit Card Mobile Alerts are here! Click here for more information and to sign up!

  • As a teen, you’re probably beyond the excitement of putting coins into your piggy bank, how about moving on to some plastic? That’s right; you might be ready for a debit card.

    We want you to be informed about debit cards, how they work and how they differentiate from credit cards. Once you have a better understanding of how to use your money wisely, you can become a better decision maker as you get older and start getting those dreaded bills. But with wisdom, comes knowledge (yeah you’ve probably heard that from mom and dad, right?)


What is a debit card?

Debit cards can be used as a way to control your finances and spend responsibly. Since the funds from debit card transactions come out of your credit union checking account and are not borrowed from a line of credit. It is important to keep track of account balances and how much is being spent to avoid overdrafts and associated fees.

  • How does a debit card work?

    Certain debit card transactions require a hold placed against your funds. This “pre-authorization” is a means of ensuring payment to the merchant. Pre-authorization holds for gas purchases can be more or less than the amount actually pumped based on whether you use your debit card with a PIN or signature.

    It is always best to deduct the amount of your purchase from your available balance to avoid incurring overdrafts and fees. In some cases, merchants, such as hotels, airlines, and rental car companies send through pre-authorizations based on estimates of what they think you will spend. Many times you will not know the pre-authorization hold amount that has been placed on your available balance. When using your debit card for these types of charges, always check to see what your available balance is.



  • DEBIT

    Using a PIN allows you to perform ATM transactions, make purchases at retailers with PIN pads, and receive cash back at participating retailers. PIN transactions are processed immediately and are reflected in your account almost instantly.

    CREDIT

    Your debit card is branded with MasterCard, and signature transactions are typically accepted by retailers or service providers that honor other MasterCard credit transactions. When you make a purchase using the “credit” option, the transaction places an authorization hold on the available funds in your account until the money is withdrawn generally within 2 to 3 business days.