Phone owners can apply transactions to either credit or debit accounts.
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Your debit account has been all outgo and no income.
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Each Speedpass then charges a purchase to a credit or debit account.
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Drivers pay money into a debit account when they pick up the transponders.
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Historical cases exist where direct debit accounts are still debited after the member has cancelled their membership.
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Users will sign up for the debit accounts using the Web or an 800 number, Gillin said.
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"Holds are a reality when you deal with debit accounts, " said Rosetta Jones of Visa Inc.
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The site lets parents open on-line debit accounts for their children in amounts such as $ 50 or $ 100.
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Those who follow every last dollar in their checking accounts will notice that home-banking programs debit accounts differently for mailed payments.
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The agency also charged that National Credit wrongly asked prospective customers for checking account information so the company could debit accounts without authorization.