To protect against fraud on transactions over 200 miles from your home address, debit card usage for such transactions over $50 will be limited at five specific merchant codes for signature-based point-of-sale transactions. This does not affect ATM or pin-based transactions at all. There are thousands of merchant codes. Please realize that this restriction only applies to five merchant codes. We have enacted these restrictions for your protection. If you have any questions please feel free to contact the bank.