Choose credit. It makes cents!

The Union Bank Dime-a-Time debit card is a new program that rewards you for using your debit card – if you choose credit. Your UB debit card can make purchases in two different ways: as a credit card transaction authorized by your signature or an ATM transaction authorized by your PIN. That is why the cashier at the local store asks you “Debit or Credit.” Both methods access only the funds in your UB checking account.

As a UB customer, the smart way is to say “Credit.” First, credit transactions are run through the MasterCard network and you enjoy their limited fraud protections. Second, you don’t have to worry about forgetting your PIN number. Third, and most importantly, Union Bank will now pay you 10 cents for every credit, or signature-based, transaction with your debit card ($10 minimum purchase).

The more you use it, the more it pays. For example, if you use your debit card (and say “Credit”) just twice a day for a month, your UB checking account will be credited $6 cash. Three times a day would be $9. Over the course of the year, that would mean $108.

So choose credit. It makes cents!