DEBIT CARD

Debit cards and ATM cards are special cards provided by the Bank to the account holder that can be used to electronically transact on the account. At the time the card is used in transaction, will directly reduce the funds available in the account. When used for transactions at ATM machines, then the card is known as an ATM card.

But when used for payment transactions and non-cash expenditure by using EDC (Electronic Data Capture), then the card is known as a debit card.

Each cardholder is given pribdi number (PIN) that is confidential for security and authorization transaction.

For debit cards, jams authorization with a PIN, it is also possible authorization with signature such as credit cards. Limit (limit) debit card transactions and ATM card depends on the type of card that my friends have. Generally consist of limit the amount and frequency of transactions, whether for cash withdrawals, expenditures, and transfers.


USEFULNESS :
Debit cards and ATM cards are useful as tools to perform banking transactions and obtain information electronically. Types of transactions that are available include:

1. Cash withdrawals
2. Cash deposits
3. Transfer funds
4. Payment
5. Expenditure


TYPES OF TRANSACTIONS THAT WE CAN DO:
balance information and information exchange. Information types of cash transactions and non-cash, pin replacement information internet banking, bill payment and credit purchases and much more we can do with this debit card, we can do pembayarn and purchases without having to take the money in cash in advance to be able to perform transaction. Along with advances in technology, the type of transaction and information available will continue to grow.


PROFIT
The benefit of having an ATM card and Debit card, among others:
Easy, because it does not need to come to the Bank to conduct transactions or obtain information
Safe, because they do not need to carry cash to make transactions at the store shopping
Flexible, because the cash withdrawal transactions / purchases via ATM / bank dijaringan EDC can be done alone, local networks and international networks.
Freely, because it can transact any time despite holiday.

Meaning of Logo on Debit Card and ATM Card
Logo listed on the card indicates that the card has access to the network contained the same logo. Network include:

1. Local Network: Link, ALTO, ATM Bersama, PRIMA
2. Network International: Cirrus, Maestro, Mastercard Electronic, VISA Plus, VISA Electro


COST
Generally, banks will charge a fee for use of the card include a monthly administration fee and transaction costs in particular transactions using other networks. Transaction costs imposed by the network via the issuing bank will be different for transactions conducted in local networks and international networks.


THINGS TO NOTE
If the card is lost or damaged, immediately report to the issuing bank call center
Make sure the card is always under supervision, because it's the same with personal wallet or cash

Make sure the card is not transferable / loaned to another person
Do not put cards near objects that megeluarkan elektomagnetik or above the hot object
Do not tell your PIN to others because of personal and confidential
Error entering PIN repeatedly will lead to an ATM machine swallowed the card or blocked
Ask my friends about the bank's costs and limit (limit) transaction
Save the transaction slip to my friends to make sure the transaction is not problematic