Money Matter$ | Financial Education

Signature for Debit Cards

When paying with your debit card, there are two options:

  1. Swipe your debit card at Point-of-Sale (POS) terminal then enter a personal identification number (PIN)
  2. Swipe your debit card at Point-of-sale (POS) terminal then SIGN a receipt without entering a PIN.


Some experts recommend that debit card users opt for the "CREDIT" selection. Here are two reasons:

  • Peace of Mind. By choosing "CREDIT", you are protected under Mastercard Zero Liability Protection. Fraud monitoring service for transactions with merchants and at the ATM, and MasterCard SecureCode™ for secure online shopping with select merchants.
  • Earn more rewards . With our Debit rewards program, you earn more reward points for signature transactions. When you enter your PIN for your purchase, you’ll earn 1 point for every $5 spent (e.g. if you spend $10, you’ll earn 2 points). When you sign for your purchase, you’ll earn 1 point for every $2 spent (e.g. if you spend $10, you’ll earn 5 points)


You usually have an option to use a PIN to authorize your purchase OR you can sign the sales receipt – just as you would with a credit card. Even on point-of-sale terminals that automatically bring up a screen asking for your PIN, you can still choose "CREDIT" and sign to authorize your transaction (even though you will not actually be using credit; the money will still come out of your checking account).


HawaiiUSA FCU For more information, call HawaiiUSA FCU at (808) 534.4300 or toll-free (800) 379.1300, click or visit one of our branches.
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