When you use your Pyramid Federal Credit Union debit card to make a purchase, don’t use the 4-digit Personal Identification Number (PIN). Instead, press <Cancel> when asked for the PIN (or select Credit rather than Debit). For larger purchases, you may be asked to sign.
This simple process will cause the transaction to be processed on the Visa network which means you receive Visa’s zero liability purchase protection benefit! Visa gives you certain rights to dispute the payment through Visa back to the merchant when you transact on their network. It’s good to have Visa in your corner!
If you use the PIN, your transaction winds up on a different network (not Visa’s), which is why you don't get the protection when you use the PIN.