What happens if I choose “credit” or “debit” when using my debit card?

Either option still uses money from your checking account.

Choosing debit generally requires your PIN and may allow you to request cash back at participating merchants. Choosing credit processes the purchase through the Visa network and may not require a PIN.

Your Visa Debit Card is not turned into a credit card when you choose “credit,” and the purchase is still deducted from your checking account.