How does a debit card work with my checking account? How is it different from a credit card?

Debit cards look just like credit cards but have a few important differences. A debit card is linked directly to your checking account, so when you make a purchase with it, that amount is deducted from your account. A credit card is treated more like a loan. You have extra time to repay the credit card amount but may be charged interest if it isn’t paid in full, and on time.

A URW debit card can help you keep within your budget to avoid overspending, plus it can be used at ATMs and millions of retailers worldwide that accept VISA Debit®. Debit cards are available with any URW checking account. A credit card’s ability to pay for emergencies can bring you peace of mind when you don’t have the funds in your checking account.

Your URW VISA Debit Card® has an embedded chip, which is the latest technology available to keep your information safe. When you check out at a chip enabled point of sale, you may be asked to put in a personal identification number (PIN) to authorize the transaction.