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saywherefore t1_j6g5ec3 wrote

Reply to comment by 152centimetres in ELI5: Why are contactless payment methods faster than inserting the chip? by jimmysofat6864

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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