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Reported on Tuesday, February 9, 2010 8:48 PM

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BBB has determined that this business meets BBB accreditation standards, which include a commitment to make a good faith effort to resolve any consumer complaints. BBB Accredited Businesses pay a fee for accreditation review/monitoring and for support of BBB services to the public.

BBB accreditation does not mean that the business' products or services have been evaluated or endorsed by BBB, or that BBB has made a determination as to the business' product quality or competency in performing services.

This company participates in BBB Online. This means the company has agreed to use special procedures including arbitration, if necessary, to resolve disputes.

Based on BBB files, this business has a BBB Rating of A

Click here for an explanation of BBB Ratings.

Reasons for this rating include:
• BBB does not have sufficient background information on this business

This company is in an industry that may require licensing, bonding or registration in order to lawfully do business. The BBB encourages you to check with the appropriate agency to be certain any requirements are currently being met.

The BBB has processed no customer complaints on this company in its three-year reporting period.

The BBB has no information regarding Government Actions at this time.

The BBB has no information regarding Ad Reviews at this time.

Debit Cards Still Confusing to Many Consumers
In spite of the growing number of consumers using debit cards, many still don't know much about them. With a debit card, also known as check card, the amount you spend is limited by what you have in your bank account. Debit cards look like credit cards or ATM (automated teller machine) cards, but operate like cash or a personal check. When you use a debit card, your money is quickly deducted from your checking or savings account.

There are two types of debit transactions, both often housed on the very same card that your bank sends you as a replacement for your old ATM card. The first are online transactions you perform at an ATM. Just put in a personal identification code (PIN) and funds are electronically transferred from your account as you designate. The second are offline transactions: present your card in a store and it is treated like a credit card sale. The money used to pay for the transaction is then deducted from your checking account, usually within a day or two.

According to a survey generated by the National Consumers League, many consumers don't understand their liability limits, and are confused about protections offered by banks and debit card providers. The Better Business Bureau suggests before you use your debit card, call your bank or issuing institution and ask the following:

What are my liability limits if my card is stolen or lost?
Am I charged any fees for using my debit card?
Is there a cap on how much money I can debit per day? Per month? What are the limits?
Do I have the same purchase protections with my debit card that I have with a credit card?
Can I get my photograph on my card?
If my card is lost or stolen and money is taken out of my account, how soon will it be replenished by the bank?

As a matter of policy, the BBB does not endorse any product, service or business.

BBB Reliability Reports are provided solely to assist you in exercising your own best judgment. Information in this BBB Reliability Report is believed reliable, but not guaranteed as to accuracy.

BBB Reliability Reports generally cover a three-year reporting period. BBB Reliability Reports are subject to change at any time.

If you choose to do business with this business, please let the business know that you contacted the BBB for a BBB Reliability Report.

ID: 3000195
Report as of: 2/9/2010 8:48 PM

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