Each month, from April through August 2009, 10 lucky members will have one of their purchases refunded by Deseret First, up to $500 each, just for using their debit card.

It's so easy, you may have already entered! Simply:

1. Swipe your Deseret First VISA Debit Card when making purchases
2. Select "credit" instead of debit
3. Sign your receipt (Optional, depending on the merchant)

Piece of cake, right? As long as you don't use your PIN (personal identification number) to make the purchase you are entered. Plus, every signature/"credit" purchase is another chance to win!

So what's wrong with using my PIN?

Nothing, but signature/"credit" transactions make the pen mightier than the PIN. Here's why:

• Still deducts from checking. The only difference is that VISA's authorization network is used to clear the transaction instead of a PIN-based network.
• Better fraud protection with VISA's free $0 liability coverage. With card fraud on the rise each year, the more protection you can get the better.
• Faster & more convenient. Forgot your PIN? No problem. Just swipe, select "credit" and sign. To get cash back from merchants, PINs are still the safe and secure way to go.

Why not get the most out of the purchases you're going to make anyway? We'll announce winners every month, so Swipe, Sign and Win today. That extra swipe just may be worth an extra $500.

Click for Official Rules.