When you choose “pen” (signing for the transaction) vs. PIN (entering your personal identification number) when paying, you use the credit option to complete the transaction.
Merchants may encourage PIN transactions because their fees are often less than signature transactions – particularly for higher dollar transactions, which are based on a percentage of the sale.
But, a signature (pen) transaction gives you added security.
Our debit card offers greater protection on all signature-based transactions. This means you have zero liability for a potentially fraudulent transaction – and won’t be held responsible if fraud occurs. And since you’re signing, you reduce the possibility of someone stealing your PIN.
Overall, pen transactions are safer, more secure. And through August 31st, you can earn Debit Card Bonus Rewards!*