Why do debit checking account bank cards even bother to have a pin number since they have the visa or mc logo?

They can be run as credit cards anywhere.


So why bother with a PIN number?





---- Not an expert at debit cards.


Only use regular credit card - not attached to a checking account.|||So you can use ATM's|||The money gets deducted from your account immediately whether you run it as credit or debit. The difference is how the bank treats it if there are fraudulent charges. If it was used as a debit card your pin was used and it is assumed you used the card yourself or authorized someone to use it. If you claim the charge was fraudulent the money is gone until the investigation of the charge is complete. You only get the money returned after they decide the charge was fraudulent. If the card was used as a credit card and you object to the charge the money is immediately returned to your account and gets only gets deducted when the fraud claim is denied.





That's how my credit union explained it to me. I asked the same question because my ATM card can be used either way.|||Judy, Judy Judy.......... Love saying that...


Using the card as a charge card Widens the accessibility and use of the card. IT has NOTHING to do with special benefits as some have stated here You get the card protection either way you use it. It is simply two cards in one, An ATM for use at the machines to do bank transactions AND a check card to use in place of cash. Use them anywhere you see the Logo's|||Because they are EFT cards and used at ATMs and POS pinpads (Pulse, Interlink, etc.).