Present your Visa Check Card to the merchant OR swipe or insert your chip card into a PIN pad or terminal. To complete the transaction you will need to enter your PIN (personal identification number) or sign your name. Some transactions may require neither, generally for purchases below $25 (or below $50 at grocery stores).
CharterWest began issuing EMV chip cards in September 2017. These cards are embedded with a microchip to help protect your card against card-present fraudulent transactions. To learn more click here.
When you sign for your purchases you get Visa’s added security protections that help prevent, detect, and resolve fraud2. You will also receive added security protection for online, phone, and mail orders, and for transactions up to $50 that do not require your signature.
To sign for your card transaction choose Credit at the PIN pad or terminal or instruct the merchant to run the transaction as a credit. If the option to choose Credit or Debit at the PIN pad or terminal is not given select Cancel and/or inform the merchant you want to sign for your purchase. When choosing Credit your Visa Check Card works as a debit card, it is not a credit card.
To enter your PIN choose Debit at the PIN pad or terminal.
When using your Visa Check to place an order online, by phone, or by mail you may be asked to provide your name as it appears on the card, the mailing address associated with the card, the card number, expiration date, and/or the CVV code from the back of your card3.