Simply present your First Farmers National Bank Visa Check Card to pay for your purchase and sign the sales draft just as you would with any Visa Card purchase.  The amount is then deducted from your checking account.  You keep a copy of the receipt, and the transaction is fully described on your regular checking account statement, just as if you gave a check.  It's cash, not credit, so you won't recieve a monthly bill from Visa for these purchases.