a card tied to a cardholder’s DDA bearing the logo of Visa, MasterCard, or Discover. A PIN is not entered at the point of sale and the transaction is assessed through the Visa, MasterCard or Discover Interchange. The transaction does require a cardholder signature, similar to a normal credit card transaction. There are two general types of interchange for check cards, exempt and regulated. Regulated check cards have a consistent interchange of .05% + $0.22 per transaction, due to the Durbin amendment to the Dodd-Frank Consumer Protection Act of 2010.