Use "credit" option

When making purchases using your debit card, use the "credit" option, not the "debit" option with PIN. Using it as a "credit" card protects you from fraud. The "credit" option provides charge-back protection - Visa & MasterCard have this protection and you can get your money back when there is a dispute with the merchant or if you are not satisfied with the service you get. Using the PIN based "debit" option runs the the funds through an electronic funds transfer - not through a credit card network with protection. http://doubleii.com/credit.htm