With the change to the chip readers, customers who have chips in their debit cards are n't allowed to use a pin in our chip reader pin pads. In trying to determine why this is, I have learned a few things ... 
I called my bank to ask that I be allowed to opt to use the PIN when making debit card purchases, and the representative with whom I spoke referred to her guidebook and said that it is the terminal that determines how the card is processed. Our processor, XXXX XXXX, says that it is the card that determines this. I believe the latter is the case from what I have experienced firsthand. 
My XXXX, when I activated it, asked that I set a PIN. When I tried using it in the terminal at work, IT PROMPTED ME TO INPUT MY PIN. When I called XXXX XXXX yesterday, I was told that they have not issued Chip and PIN cards in the US, only Chip and Sign cards. When I said that I 'd rather have a PIN to avoid fraud in the first place and make my card truly secure, I was told that Fraud is covered 100 % and not to worry ... How stupid is that? 
My work XXXX cards have chips and I called to ask to set a PIN with both of them. The woman with whom I spoke was happy to help and it took a minute to set the PIN. Trouble is, the cards Chip and Sign cards and the PIN will only work in ATMs, which is n't what my goal was. 
In the meantime, XXXX and XXXX are earning extra fees for running the cards on their networks rather than on the debit networks. The debit companies are losing out, but more importantly, the merchants are suffering most in having to pay higher fees for the transactions. 
So much for the Dodd Frank Wall Street Reforms pertaining to debit cards. 
I plan to call the issuers and demand Chip and Pin cards, but XXXX XXXX did n't seem too interested in my request yesterday. Can you help? 
