Debit or Credit?

Which option should you use?  The answer is....... CREDIT!

Credit is Fee-Free
Ever thought you’d be charged for using your debit card as a debit card?  Well, it’s happening!  A monetary penalty for using your card as a debit transaction is actually becoming common.  The reality is that debit transactions cost money to process.  ACMG does not currently charge for using your card as debit, but by saving ACMG an expense and choosing CREDIT, we can return those savings to you!  ACMG is determined to keep our fees low or non-existent, so remember to process your transactions as CREDIT and you’ll also avoid any potential fees!  In some cases, store checkouts may automatically ask for a PIN, signaling a debit transaction. Most of the time you can press the cancel button and then choose CREDIT.  If that is not an option, simply ask the cashier to process the transaction as CREDIT.

Credit is Secure
Another reason to choose CREDIT over debit is that it’s a more secure transaction. A signature-based transaction is more secure than using your PIN because there is a security feature encoded into your card’s magnetic stripe. This code is invisible to the cardholder but has to match exactly what is in our system, or else the transaction will not be processed. It basically means your card can not be duplicated and used fraudulently.