A Visa Debit co-badged card provides the security, convenience and flexibility to shop online, around the world and in Canada at stores where Interac is accepted. When you use it the money comes directly from your bank account.

Benefits of a Visa Debit co-badged card are that you can:

1. Shop online in more places
2. Shop around the world in more places
3. Pay bills (one-time payment or automatic recurring payment)
4. Make advanced bookings such as hotel reservations
5. Get cash back from merchants who offer this service
6. Can be used to shop by phone or by mail order
7. Get added protection with Visa's Zero Liability* and layers of security when shopping online, over the phone, and at stores internationally
8. Use it at:
   • Restaurants
     (including fast-food and quick-serve restaurants)
   • Retail stores
   • Grocery stores
   • Dry cleaners
   • Movie theatres
   • Drug stores
   • Gas stations
   • Doctor's offices

*Visa cardholders must establish that the transaction is not their responsibility as per all applicable agreements of the issuing financial institution. Does not apply to ABM transactions or PIN transactions not processed by Visa. Individual provisional credit amounts may be withheld, delayed, limited, or rescinded by an issuer based on factors such as gross negligence or fraud, delay in reporting unauthorized use, investigation and verification of claim, and account standing and history.