Website Maintenance: Due to system maintenance, website features, including rates and product applications, may be unavailable Saturday, Nov. 27th, and Sunday, November 28th, 2021. The maintenance window will start each night at 9:00 p.m. PT and end by 1:00 a.m. PT the following morning. Times listed are approximate. We apologize for any inconvenience.

Choosing Debit Vs. Credit

When making a purchase using your debit card, you're often given the option to choose "credit" or "debit." Either will enable you to make a purchase (transactions are automatically deducted from your Checking Account), but there are some key behind-the-scenes differences that will help you make your decision.

Credit Option

  1. You must sign for your purchase
  2. You cannot receive cash back
  3. Gives you all the security protections of a Visa transaction for disputes and fraud
  4. Visa pays UNIFY a small portion of each transaction amount when you choose "credit"

Debit Option

  1. You can receive cash back, up to $1,000 per day
  2. You must enter in your Personal Identification Number (PIN)
  3. UNIFY pays a fee each time you choose the "debit" option
  4. You may pay a merchant fee to use the "debit" option

If you have any questions regarding your UNIFY Visa Debit Card, contact us. We're happy to help.

Can’t remember your Username?

No problem. Just phone our Contact Center at 877.254.9328, available 24/7, and a UNIFY Representative will assist you.