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152centimetres t1_j6g57u8 wrote

Reply to comment by saywherefore in ELI5: Why are contactless payment methods faster than inserting the chip? by jimmysofat6864

not to mention the fact that if you put the chip in you actually have to select which account you're using and then put in your pin, which of course will take more time than just tapping the card to a screen

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saywherefore t1_j6g5ec3 wrote

What do you mean by select which account you are using?

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152centimetres t1_j6g6ekb wrote

when you insert your card it asks if you're using chequing or savings, when u tap its directly from chequing

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saywherefore t1_j6g7sqx wrote

Interesting, I have never experienced that. Here in the UK a debit card is associated with a single account, and savings accounts don’t have cards (typically).

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ShoulderGoesPop t1_j6gqz07 wrote

In the US checking accounts and savings accounts are usually tied together and use a singular debit card. You can open just a savings account though.

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ImBrokeNowBoi t1_j6hjvsq wrote

Really? I’m from the US and I’ve never seen that before.

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ke_co t1_j6g83pb wrote

I think OP is in the US, we don’t really have chip and PIN here per se, transactions are authorized real-time with the bank. We only need a pin if it’s a debit transaction, but most transactions are handled through the Visa or Mastercard network, even if a direct withdrawal from a checking account.

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Lobo9498 t1_j6galnb wrote

In the US, you may get credit or debit choices. Not always though, some just default to taking it as credit, without a PIN required.

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run_uz t1_j6gswgz wrote

That's not how it works

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152centimetres t1_j6gtqjo wrote

it is in canada, didnt realize this sub was for americans only

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run_uz t1_j6gvpla wrote

Despite your sarcasm...anywho just state the locale & then everyone learns

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mtnslice t1_j6gcdwk wrote

This only started happening to me after I moved out of the US. When I lived in the states the debit card was only tied to a checking account. In Canada the card lets me choose checking vs savings

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biggsteve81 t1_j6geljc wrote

Until 2020 savings accounts in the US were limited to 6 or fewer transactions per month. So debit cards would never have been tied to them for payment.

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TehWildMan_ t1_j6gi0gc wrote

It would still be common for some (particularly non-visa/mc debit cards) to provide the option. Mine did back in the late 2000s.

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