Debit card transactions have become overwhelmingly popular in the past few years. There are two types of debit transactions, PIN (online) and signature (offline). Both deduct funds from the consumer’s checking account. It is beneficial for businesses that see customers in person to accept both debit types. With PIN debit, the customer selects “Debit” as the payment method and then after the card is swiped must enter their Personal Identification Number (PIN) into an encrypted pin pad at the point-of-sale (POS) terminal to authenticate their identity. The transaction is transmitted through the electronic funds transfer network and the funds are deducted from the consumer’s checking account within seconds.