You have seen the headlines – debit transactions are continuingto grow exponentially. Consumers are shifting away from cash andchecks, and plastic users are becoming more prudent with theirspending, choosing debit's “pay now” promise over credit's “paylater.”

Yet as debit use increases, so too does the risk of fraud withinyour credit union's debit portfolio.

Couple consumer confusion over the Durbin amendment with therecent announcements from large banks instituting checking anddebit card fees, and it's easy to see why your members might belooking for guidance where their everyday financial transactionsare concerned.