Customer Question: “Can a cashier see my account balance when I pay with my Arvest Debit Card?”

Thursday, July 28 at 09:00 AM
Category: Personal Finance

Customer Question: “Can a cashier at a business see my account balance when I pay with my Arvest Debit Card?”

No. Cashiers at stores, restaurants or other merchants cannot see your account balance when paying with your Arvest Debit Card.  The message the cashier receives when running a transaction is whether your purchase is approved or denied for payment.

Here is what happens when you pay with an Arvest Debit Card.

  1. You or the cashier swipes or inserts your card into the terminal.
  2. The terminal sends the amount of your purchase to the merchant's card processor.
  3. The merchant's card processor sends the amount of your purchase to Arvest Bank.
  4. Arvest looks at your account to determine whether you have available funds to cover the purchase.  If you do, then Arvest sends the cashier an approved message.  Otherwise, the bank sends a denial.  No account balance information is ever passed to the cashier on point of sale transactions.

Thank you for this question!

 

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Tags: Customer Question, Debit Cards
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