What’s the Difference Between Debit and Credit?

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Debit or Credit

A few times each week, if not every day, you probably use your Peach State Debit (Check) card at a merchant or retailer that requires you to swipe your card. By habit, you select debit or credit, enter your Personal Identification Number (PIN) or sign and get your receipt.

But, do you know the difference between debit and credit?


Your debit (check) card is linked to your Peach State checking account. When you use it, your payment is taken from your checking account whether you choose debit or credit.


Here’s the big difference:


The DEBIT option requires you to enter your PIN to make your purchase. Using your PIN adds an additional layer of security against fraud. Learn more here: https://peachstatefcublog.org/pin-not-pen/


The CREDIT option requires you to sign your name on a signature pad to complete your transaction. If you think about it, your signature isn’t that secure… Anyone could scribble something on the pad or receipt and the merchant would accept it.


If your card is not being accepted as credit, try running the transaction as a debit and enter your PIN. If you don’t remember your PIN, simply stop in the nearest branch and a staff member will be able to help you.


Member service is our priority, so if you have questions, please don’t hesitate to contact us! We’re here to help!

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