Debit cards are available in different forms to fit a variety of everyday needs and lifestyles. Whatever your situation, debit cards are a helpful method of customizing your payment options.

ATM or PIN-only Cards
ATM or PIN-only cards are tied to your specific account and can be used to withdraw cash at ATMs, conduct account transfers, make deposits and balance inquiries, purchase goods and services from retailers equipped with PIN pads and pay certain bills online or over the phone. PIN-enabled cards require that you enter your personal identification number (PIN) at the time of purchase or at the ATM in order for the transaction to process, except in the case of PINless debit bill payment, as described in the Debit Uses section. At the point of sale, your PIN is necessary for identity and security purposes. It allows your financial institution to verify your card.

Dual-use Debit Cards (Signature and PIN features)
Dual-use debit cards carry a Discover Network, MasterCard or Visa logo, as well as NYCE, PULSE, STAR or other PIN-based network logos. Dual-use cards are both signature- and PIN-enabled, and are tied to your specific account. When making purchases, you may choose to either authorize the transaction by entering your PIN or by signing the receipt of purchase at retailers who accept Discover, MasterCard or Visa credit cards. Dual-use debit cards also can be used to pay certain bills online or over the phone. At ATMs, however, you must enter your PIN to complete the transaction.

Electronic Benefits Transfer Cards
Electronic Benefits Transfer (EBT) is offered by many state governments and the federal government to authorized recipients who qualify for specific benefits such as food stamps or cash benefits. The EBT card can be used at participating retailers and ATMs to withdraw cash, depending on the type of government-sponsored program.

Prepaid Cards
Prepaid cards operate like debit cards in that funds are directly debited from the actual balance of the card. A debit card is issued in your name and tied to a checking or savings account, whereas prepaid cards are not associated with a checking account but rather represent money deposited onto the card either by you or a third party. You may use only the amount of money stored on the card. Examples of prepaid cards include:

• Gift cards
• Family or personal spending cards
• Travel cards
• Flexible spending or health savings cards
• Payroll cards