Visa Debit Card

Image of an Alliance Bank Debit Card in a wallet.

Convenient. Secure. Budget Friendly.

A Visa Debit Card provides instant access to the money in your checking account. It’s a convenient, fast and secure way to pay. Debit card transactions are automatically deducted from your checking account and typically posted within 24 hours of your purchase. Use your Debit Card to make everyday purchases, shop online and pay bills. You can also use your card to get cash from your account(s) at ATMs around the world.


Convenient Ways to Pay

  • Tap to Pay with your Visa Debit Card by simply holding your card over the card reader when prompted. Tap to Pay is available at most merchants and gas pumps, look for the wi-fi symbol on the card reader. In most instances, no signature or PIN is needed to complete the transaction. When you use the Tap to Pay feature, the merchant does not receive your Debit Card number, reducing the risk of fraud.
  • Mobile Wallet is another way to use the Tap to Pay feature without your physical Debit Card present. You can store your Debit Card information in Apple Pay, Google Pay or Samsung Wallet. When it’s time to pay, simply unlock your phone and hold it over the card reader. Mobile Wallet can be a lifesaver if you accidentally leave home without your Debit Card.
  • Online Payments are a breeze with your Debit Card. Use your card to shop or pay bills online. Entering your Debit Card is a safer method to pay than entering your bank account number. Should you have fraud on your card, it can quickly be shut down and replaced without having to change your bank account.


Push Green for Credit

  • For most in-person purchases, you will be prompted to enter your PIN on the card reader. While this will work, we encourage you to bypass the PIN and run the transaction as ‘signature-based’ (otherwise known as ‘credit’). On most machines, you can push the Green button to bypass the PIN. If unsure, ask the merchant.
    Bypassing the PIN prevents peeping eyes from seeing your PIN and often speeds up your transaction. Alliance Bank rewards clients who choose this option.
  • Allegiance Checking accountholders receive $0.10 cash back on each signature-based transaction (up to $6 per statement cycle).
  • Safe & Sound Checking clients can reduce their monthly service charge by $2 when they have 20+ signature-based transactions OR 3 Bill Pays in Digital Banking per statement cycle.


Secure

By following a few safety precautions, you can help protect yourself from fraud.

  • Keep your PIN a secret. Memorize it and never write it on your card or keep them together.
  • Never give your Debit Card number to someone when you did not initiate a purchase or expect the conversation. Be extra cautious if you receive texts or email links requesting payment information. Always contact the sender using a publicly published phone number to verify the request.
  • Stay safe online by only purchasing from well-known and secure websites. Look for the padlock symbol by the website address.
  • Report a lost or stolen card immediately. You can use Digital Banking to turn your own card(s) on or off, if you believe it is temporarily misplaced or if you see a questionable charge on your account you wish to research.
  • Review your account activity regularly in Digital Banking and report any unauthorized transactions immediately.

You can use your Debit Card with the peace of mind of Visa’s extra security protections.

  • Visa's Zero Liability Policy* which protects you from unauthorized charges. Any funds taken from your account due to fraudulent use will be returned to you. *Does Not apply to ATM transactions or PIN-based transactions not processed by Visa.
  • Continuous fraud monitoring to detect and prevent suspicious activity on your debit card.
  • Access to Identity Theft Assistance to help you recover your identity and prevent further problems.
  • A 3-digit security code to verify your identity for Internet and phone purchases.
  • Visa Secure - 3D Secure 2.0 (3DS) is a new technology designed to authenticate Card-Not-Present transactions to reduce fraud and false declines with a friction-free checkout experience for consumers. 3DS enables merchants and card issuers to use what each knows about their mutual consumer to make better risk decisions.
  • Click to Pay provides added security by offering advanced authentication tools when you shop online.


Budget Friendly

Unlike a credit card or Buy Now, Pay Later options, a Debit Card purchase uses your money in real-time. It makes it easier to track your spending and ensure you stay within your budget. Unlike other payment methods there are no interest charges with your Debit Card or risk of accumulating debt.


Contact our Electronic Banking team at (888)385-2280 – Option 4 for assistance with your Visa Debit Card. Listen to the menu for other options after banking hours.