Cardholder’s Liability. Limits on liability for your VISA Debit Card, when used for point-of-sale transactions: Your VISA Debit Card is so secure that we have reduced your potential liability for unauthorized transfers accomplished with your card under certain circumstances. For Card(s) issued for point-of-sale (POS) transactions, unless you have been grossly negligent or have engaged in fraud you will not be liable for any unauthorized transactions using your lost or stolen Card(s).
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Sources: Visa Debit Card Holder's Agreement, Visa Debit Card Holder’s Agreement, Visa Debit Card Holder’s Agreement