Starting January 1, 2026, all PIN-based Fees are Gone!

We’ve eliminated PIN-based transaction fees! Now you can use your debit card your way—PIN or credit—at no extra cost. For the best rewards, be sure to select “credit” when you shop. It’s the easiest way to take advantage of our cash-back program and enjoy enhanced security features.

More freedom. More rewards. All for you.

*This update removes the previous monthly limit of 5 or 10 free PIN transactions. PIN-based transactions include:

• In-store debit purchases using your PIN.
• ATM withdrawals at non-surcharge-free ATMs (PSE won’t charge—though the ATM owner may.)