D'oh!
Got a phone message from my bank this morning advising that there nay have been fraudulent activity on my card.
Fired up the BlackBerry and sure enough there was a charge for withdrawal of US funds from my account totaling just over 400.00
CDN around 10 PM last night. What the 'ell!
Had to go right down to the bank and get a new debit card. Supposedly bank's fraud division will get back to me within 4 days and refund my money when they are convinced it's fraud.
Nice Christmas present from the criminal element.

On Thu, 18 Dec 2014 13:29:11 -0800 (PST), True North
wrote:

D'oh!
Got a phone message from my bank this morning advising that there nay have been fraudulent activity on my card.
Fired up the BlackBerry and sure enough there was a charge for withdrawal of US funds from my account totaling just over 400.00
CDN around 10 PM last night. What the 'ell!
Had to go right down to the bank and get a new debit card. Supposedly bank's fraud division will get back to me within 4 days and refund my money when they are convinced it's fraud.
Nice Christmas present from the criminal element.

===

Sorry to hear that.

I don't know about Canadian law but in the US there are much stronger
protections for credit cards than debit cards. I generally advise
people to not use debit cards for anything other than ATM withdrawals.

My wife is ditching her debit card. It's been "compromised " three times this year. She has several automatic payments coming out of her account monthly, and has to contact her accounts and switch stuff over and has had to do this several times.

I won't have a debit card.

On 12/18/2014 4:43 PM, Tim wrote:
My wife is ditching her debit card. It's been "compromised " three times this year. She has several automatic payments coming out of her account monthly, and has to contact her accounts and switch stuff over and has had to do this several times.

I won't have a debit card.



Banks heavily push their debit cards, credit cards, on-line banking and
auto deposit/payments systems. I think they should be 100 percent
responsible for any screw-ups or hacks of their software security that
results in theft of funds or identity.

In article ,
says...

On Thu, 18 Dec 2014 13:29:11 -0800 (PST), True North
wrote:

D'oh!
Got a phone message from my bank this morning advising that there nay have been fraudulent activity on my card.
Fired up the BlackBerry and sure enough there was a charge for withdrawal of US funds from my account totaling just over 400.00
CDN around 10 PM last night. What the 'ell!
Had to go right down to the bank and get a new debit card. Supposedly bank's fraud division will get back to me within 4 days and refund my money when they are convinced it's fraud.
Nice Christmas present from the criminal element.

===

Sorry to hear that.

I don't know about Canadian law but in the US there are much stronger
protections for credit cards than debit cards. I generally advise
people to not use debit cards for anything other than ATM withdrawals.

I turned down the debit card from my bank (Chase) and insisted they
provide an ATM card. They did, but I had to insist.

On 12/18/2014 5:13 PM, Boating All Out wrote:
In article ,
says...

On Thu, 18 Dec 2014 13:29:11 -0800 (PST), True North
wrote:

D'oh!
Got a phone message from my bank this morning advising that there nay have been fraudulent activity on my card.
Fired up the BlackBerry and sure enough there was a charge for withdrawal of US funds from my account totaling just over 400.00
CDN around 10 PM last night. What the 'ell!
Had to go right down to the bank and get a new debit card. Supposedly bank's fraud division will get back to me within 4 days and refund my money when they are convinced it's fraud.
Nice Christmas present from the criminal element.

===

Sorry to hear that.

I don't know about Canadian law but in the US there are much stronger
protections for credit cards than debit cards. I generally advise
people to not use debit cards for anything other than ATM withdrawals.

I turned down the debit card from my bank (Chase) and insisted they
provide an ATM card. They did, but I had to insist.



What's the difference between a "debit" and an "ATM" card?

Tim
"My wife is ditching her debit card. It's been "compromised " three times this year. She has several automatic payments coming out of her account monthly, and has to contact her accounts and switch stuff over and has had to do this several times.

I won't have a debit card."


The new debit card has the symbol for radio waves on it.
I told the bank clerk I didn't want anything to do with that 'Tap and Pay' feature.
She disabled it and I asked her to do the same for my credit cards.
She said I had to call the number on the back of the credit cards to have it done.
I've been uncomfortable with this easily hacked feature and unhappy that it is automatically included with the magnetic stripe and 'chip'.

On Thu, 18 Dec 2014 17:06:24 -0500, "Mr. Luddite"
wrote:

On 12/18/2014 4:43 PM, Tim wrote:
My wife is ditching her debit card. It's been "compromised " three times this year. She has several automatic payments coming out of her account monthly, and has to contact her accounts and switch stuff over and has had to do this several times.

I won't have a debit card.



Banks heavily push their debit cards, credit cards, on-line banking and
auto deposit/payments systems. I think they should be 100 percent
responsible for any screw-ups or hacks of their software security that
results in theft of funds or identity.

===

The banks have their issues at times but most of the hacks and screw
ups seem to be at the merchant end. The banks that I'm familiar with
spend hundreds of millions every year on security and fraud control
systems. They do promote debit cards however because they are more
profitable than credit cards: No free float for 30 days, and fewer
consumer legal protections.

In article ,
says...

On 12/18/2014 5:13 PM, Boating All Out wrote:
In article ,
says...

On Thu, 18 Dec 2014 13:29:11 -0800 (PST), True North
wrote:

D'oh!
Got a phone message from my bank this morning advising that there nay have been fraudulent activity on my card.
Fired up the BlackBerry and sure enough there was a charge for withdrawal of US funds from my account totaling just over 400.00
CDN around 10 PM last night. What the 'ell!
Had to go right down to the bank and get a new debit card. Supposedly bank's fraud division will get back to me within 4 days and refund my money when they are convinced it's fraud.
Nice Christmas present from the criminal element.

===

Sorry to hear that.

I don't know about Canadian law but in the US there are much stronger
protections for credit cards than debit cards. I generally advise
people to not use debit cards for anything other than ATM withdrawals.

I turned down the debit card from my bank (Chase) and insisted they
provide an ATM card. They did, but I had to insist.



What's the difference between a "debit" and an "ATM" card?

The ATM card is only good for an ATM machine, with the security code.

Boating All Out wrote:
In article ,
says...

On 12/18/2014 5:13 PM, Boating All Out wrote:
In article ,
says...

On Thu, 18 Dec 2014 13:29:11 -0800 (PST), True North
wrote:

D'oh!
Got a phone message from my bank this morning advising that there nay
have been fraudulent activity on my card.
Fired up the BlackBerry and sure enough there was a charge for
withdrawal of US funds from my account totaling just over 400.00
CDN around 10 PM last night. What the 'ell!
Had to go right down to the bank and get a new debit card. Supposedly
bank's fraud division will get back to me within 4 days and refund my
money when they are convinced it's fraud.
Nice Christmas present from the criminal element.

===

Sorry to hear that.

I don't know about Canadian law but in the US there are much stronger
protections for credit cards than debit cards. I generally advise
people to not use debit cards for anything other than ATM withdrawals.

I turned down the debit card from my bank (Chase) and insisted they
provide an ATM card. They did, but I had to insist.



What's the difference between a "debit" and an "ATM" card?

The ATM card is only good for an ATM machine, with the security code.

Most terminals are the same as an ATM.