We have enabled Non-Visa debit transaction processing that does not require all such transactions to be authenticated by a PIN. If you do not enter a PIN, transactions can be processed as either a Visa debit transaction or a transaction on the CIRRUS, PLUS, STAR, and ACCEL (non-Visa) networks. Merchants must provide you with a clear way of choosing to make a Visa debit card transaction if they support this option. Please be advised that should you choose a non-Visa network when making a transaction without a PIN, different terms may apply. Certain protections and rights applicable only to Visa debit card transactions will not apply to transactions processed on non-Visa networks. 


Examples of the types of actions you may be required to make to initiate a Visa debit transaction include signing a receipt, providing a card number over the phone or via the Internet, or swiping the card through a point-of-sale terminal. 

Examples of the types of actions you may be required to make to initiate a transaction on a PIN-Debit Network include initiating a payment directly with the biller (possibly via telephone, Internet, or kiosk locations), responding to a logo displayed at a payment site and choosing to direct payment through that network, and having your identity verified using known information derived from an existing relationship with you instead of through use of a PIN.

STAR Network billers are required to display the STAR logo. STAR Network billers must allow you to choose how your payment is directed. Thus, you could see the STAR logo and choose to direct your payment though the STAR Network. In addition, STAR Bill Payments are not authenticated with a PIN; instead the biller authenticates your identity using known information derived from an existing relationship with you.

Please be advised that the terms and conditions of your agreement relating to Visa debit transactions and Visa rules do not apply to non-Visa debit transactions. For example, the additional limits on liability (sometimes referred to as Visa's zero liability program) and the streamlined error resolution procedures offered on Visa Debit Card transactions are not applicable to transactions processed on a PIN-Debit Network. 

Please refer to the "Electronic Fund Transfers, Your Rights and Responsibilities" section of the "Understanding Your Deposit Account for the Visa terms and conditions."