Can you use an ATM card like a regular debit card at a store checkout?

Question

I just received my ATM card in the mail and I was wondering if it worked at a checkout since you get a PIN number with it, or does it just work on ATM machines?

Answer 1

Most debit/credit cards can be used in retail store as long as it have a visa, mastercard & or similar processing company on it. If it doesn't have one of those company's logos on it then you just have a bank card which you can only use at atms. But make sure you know your Pin number to use the card

This bank cards don't have the visa or mastercard logo on them but if you look on the back of the card there should be company logos like "Star", Pulse" and other company along those line. What this means that those are the company's that your bank uses to Communicate with the bank. So if you card does have those on the back then you can use it at any atm



Hope this helps



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Answer 2

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RE:

Can you use an ATM card like a regular debit card at a store checkout?

I just received my ATM card in the mail and I was wondering if it worked at a checkout since you get a PIN number with it, or does it just work on ATM machines?

Answer 3

In the US, you could potentially use your ATM card in a store as long as they actually take “debits.” Grocery stores for example take both debit cards and credit cards. Retail stores, restaurants, those places typically don’t. If you use your basic ATM card you use it with PIN access. It is called a Point of Sale or POS charge. That’s the card side. Most banks however, restrict POS from savings so if you have it only to a savings it may not work. More importantly, there is usually a daily POS limit significantly lower than a debit/check card. Usually $300-$500 regardless of your balance. Lastly, they can charge you a POS fee of approximately 0.30 per transaction. So, overall, even if you can do it, it is just not such a good idea.

Answer 4

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atm cards are solely for atm withdrawals and deposits only. only a checking account has a debit card which can be used for purchases as well as atm transactions. the reason why atm cards shouldn't be used for point of sales transactions is because it is linked to a savings, which is an interest bearing account. And as federal policy, interest bearing account have limited transactions per statement cycle. If you try to use the card, it might be blocked by your bank's fraud dept or it might go through, but then because acct is limited to certain transactions like funds transfer or point of sales, you can be assessed of excess activity charges or account can be possibly closed if it continuously exceeds the bank's transaction limits.

Answer 5

Unless it is unique to your bank, you should be able to use it at stores. Mine works for gas and groceries, never tried it at a department store.



Just be careful of overdraft charges. I believe the new banking regs require banks to allow you to opt out of overdraft protection. That is, they can't automatically "do you a favor" by letting you overdraw and then slap you with a big overdraft charge. Unless of course you like big overdraft charges. Downside is that a purchase may be refused. Check with your bank to see where you are on that score.

Answer 6

an ATM card IS a debit card...

Answer 7

Yes, it should work as long as you have the PIN.

Answer 8

This is puzzling to me too

Answer 9

Yes, if you know the PIN you can

Answer 10

Hurrah, that's what I was looking for! Thanks op of this question.