1. The card bears the VISA® logo. That means it's accepted at any of the more than 10 million merchant locations worldwide that accept VISA® credit cards.
     
2. It directly accesses funds from your checking account, so unlike a credit card, there's no outstanding balance or interest to pay.
    
3. It climates the need to carry a checkbook or large amounts of cash.

VISA® Debit Card offers the added convenience of being an ATM (automated teller machine) card. You can use it to withdraw cash at ATMs, both locally and out of state.

Plus, you can use the card at grocery stores, service stations, and other retailers offering automatic payment through point-of-sale machines at the checkout counter.

Keeping track of a debit card transaction is no more difficult than managing your checkbook. As with a check, you deduct the amount from your account balance as soon as possible. The major difference: Instead of a check copy, you have a store receipt for your records.

More and more people are using debit and credit cards together as cash management tools. They make debit payments for smaller purchases, such as clothes and groceries. They reserve credit payments for more expensive items, such as appliances.

Verified by VISA is a security program designed to serve as a safety net for your dollars when conducting VISA® transactions online. This program will help reduce Internet shopping fraud significantly because consumers are asked to authenticate themselves prior to making online purchases. This is accomplished through the use of a personal password. Upon activation of your personal password, only you can use your Credit Card or Debit Card to buy online.