Whether you select 'Credit' or 'Debit,' the purchase amount will be deducted from your Citizens checking account. My significant other has 90 and that’s because he didn’t stop his since he opened the account. This hold remains on your account until we receive a final settlement request (instructions from the merchant for us to deduct the exact amount of your final purchase from your account).
If we approve the request, we immediately remove the authorized amount from your Available Balance through a debit card authorization hold. When you use your debit card without your PIN, the merchant may request an authorization from us. When you use your PIN, the funds are immediately taken from your account. If you select 'Debit,' you will use your PIN. Usually, if you select 'Credit,' you will sign a receipt to authorize your purchase. Some merchants may require a signature (such as restaurants), while others may offer you the option of 'Credit' or 'Debit' when processing your purchase.
Your options may differ depending on the merchant.
