Non-Visa Debit Card Transactions

VISA® has clarified its rules regarding the use of your Community West Bank Visa Debit Card. The following is an explanation of the Visa Rules involving the use of your card for Visa Network and non-Visa Network transactions, including PINLess debit transactions. Community West Bank allows non-Visa debit transaction processing. This means you may use your Visa Debit Card on a PIN-Debit Network* (a non-Visa Network), and that you may not be required to use a PIN to authenticate your transactions. The non-Visa debit networks for which such transactions are allowed is Accel/Exchange, Plus and MoneyPass.

Examples of the types of actions that you may be required to make to initiate a Visa debit transaction include:

• Signing a receipt
• Providing a card number over the phone or via the Internet
• Swiping your card through a point-of-sale terminal

Examples of the type of actions you may be required to make to initiate a non-Visa debit transaction include:

• Entering a PIN at a point-of-sale terminal
• Initiating a payment directly with the biller (possibly via telephone, internet, or kiosk location) by providing an account number or other information that is not your PIN to authorize the transaction after clearly indicating a preference to route it as a non-Visa transaction

Please be advised that the terms and conditions of your agreement relating to Visa debit transactions and Visa rules do not apply to

non-Visa debit transactions. For example, the additional limits on liability (sometimes referred to as Visa’s zero-liability program) and the streamlined error resolution procedures offered on Visa Debit Card transactions are not applicable to transactions processed on a PIN-Debit Network.

*Visa Rules generally define PIN-Debit Network as a non-Visa debit network that typically authenticates transactions by use of a personal identification number (PIN).

Effective December 1, 2021