Using Your MasterMoney/STAR Card Is There A Difference Between "Debit"
Members often ask if it makes
a difference whether they say "Debit" or "Credit"
when they use their MasterMoney/STAR Card to make purchases. The answer
is: "Yes. There is a difference."
The answer "Debit" or "Credit" determines how the
transaction will be processed.
Heres The difference.
If you say "debit," the transaction is processed through
the STAR/ATM network, and you must use your Personal Identification Number
If you say "credit," the transaction is processed through
the MasterCard network.
It all depends on your preference. But, heres a member-friendly
tip: If you choose "credit," it actually helps your Credit Union
and other members because MasterMoney transactions are more efficient
for the Credit Union.
Sometimes, however, saying "credit" is not the better answer.
At some service stations that have a "cash" and a "credit"
price, choosing "credit" will tell the system to charge you
the credit card price a usually higher price. In such a situation,
choose "debit" and enter your PIN.
Its Still Your Money
However, no matter how you respond "debit" or "credit"
the purchase will deduct from your Share Draft/Checking Account.
So dont worry, if you say "credit," the purchase will
NOT get billed to a credit card.