Pyramid Federal Credit Union enables non-Visa debit transaction processing and does not require that all such transactions be authenticated by a PIN. A non-Visa debit transaction may occur on your Pyramid Federal Credit Union debit card through the CO-OP or Star networks. Here are examples to distinguish between a Visa debit and non-Visa debit transaction.

VISA debit transaction

To initiate a Visa debit transaction at the point of sale, the cardholder signs a receipt, provides a card number (e.g., in e-commerce or mail/telephone order environments) or swipes the card through a point-of-sale terminal.

NON-VISA debit transaction

To initiate a non-Visa debit transaction, the cardholder enters a PIN at the point-of-sale terminal or, for certain bill payment transactions, provides the account number for an e-commerce or mail/telephone order transaction after clearly indicating a preference to route it as a non-Visa transaction.

A non-Visa debit transaction will not provide the zero liability protection benefit, and may reduce your rights to dispute a transaction. It is always best to sign for any VISA debit transaction. Provisions of the cardholder agreement relating only to Visa transactions are inapplicable to non-Visa transactions.

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