What is a Check Card?

A Check card is a debit card that has a Visa or MasterCard logo that can be used as a credit card or a debit card. It is issued by a bank when a customer opens a checking or a savings account. A Check card transaction deducts the the funds from the cardholders bank account rather than in a monthly billing like a credit card.

If the customer chooses to use the Check card as a debit transaction the cardholder must enter their PIN at the Point of Sale on a PIN Pad. Once this PIN based debit transaction is completed the funds are automatically pulled from the customer/cardholders bank account. With a PIN based debit transaction the customer is not required to sign the sales receipt.

If the card is used a credit card transaction it will be processed like a credit card transaction and a signature from the cardholder is required.