What is a non-PIN purchase?

Non-PIN purchases include all card purchases where you do not enter your PIN to authorize the transaction. Purchases made with your 16-digit Visa account number, excluding purchase transactions where a 4-digit Personal Identification Number (PIN) was used.  Purchases categorized as cash or quasi-cash are not eligible. 

When you are asked “credit or debit” in a store, the credit option is a non-PIN purchase. On the other hand, the debit option requires your four-digit secure PIN code and will not count towards FriendSpend Rewards.

Any purchase that was made using your Routing and DDA numbers do not count towards FriendSpend Rewards, and purchases categorized as cash or quasi-cash are not eligible for FriendSpend Rewards.