Non-Visa® Debit Transactions

Somerset Federal Credit Union enables non-Visa® debit transaction processing and does not require that each non-Visa® debit transaction be authenticated by a PIN. A non-Visa® debit transaction may occur on your SFCU Visa® debit card through the Accel network.

The following examples help you distinguish between a Visa debit and a non-Visa® debit transaction.

To initiate a Visa® debit transaction at the point of sale, you sign a receipt, provide a card number (for e-commerce, mail or telephone orders and payments), swipe the card through a terminal or insert the card in the terminal (chip cards).

To initiate a non-Visa® debit transaction, you enter a PIN at the point of sale terminal or, for certain bill payment transactions, you provide the account number for an e-commerce or mail / telephone order transaction after clearly indicating a preference to route the transaction as a non-Visa® transaction.

A non-Visa transaction will not provide the zero-liability protection benefit. Provisions of your agreement related only to Visa transactions do not apply to non-Visa transactions.

ATTENTION MEMBERS: In observance of Independence Day, all locations will be closed on Friday, July 4th and reopen on Saturday, July 5th. As always, our ATMs, mobile banking, and online banking are available 24/7!
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