Non-PIN purchases count towards FriendSpend Rewards. 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.
Note: 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.