{"id":6051,"date":"2014-08-27T16:42:10","date_gmt":"2014-08-27T23:42:10","guid":{"rendered":"http:\/\/first2board.com\/wanderlusty\/?p=6051"},"modified":"2014-08-27T17:18:04","modified_gmt":"2014-08-28T00:18:04","slug":"another-reason-switch-schwab-checking-chip-signature-debit-card-now-available","status":"publish","type":"post","link":"http:\/\/first2board.com\/wanderlusty\/2014\/08\/another-reason-switch-schwab-checking-chip-signature-debit-card-now-available\/","title":{"rendered":"Another Reason to Switch to Schwab Checking &#8212; Chip + Signature Debit Card Now Available"},"content":{"rendered":"<p><a href=\"http:\/\/first2board.com\/wanderlusty\/files\/2014\/08\/untitled.jpg\"><img decoding=\"async\" loading=\"lazy\" class=\"alignright size-medium wp-image-6052\" src=\"http:\/\/first2board.com\/wanderlusty\/files\/2014\/08\/untitled-300x225.jpg\" alt=\"untitled\" width=\"300\" height=\"225\" srcset=\"http:\/\/first2board.com\/wanderlusty\/wp-content\/uploads\/sites\/48\/\/sites\/48\/2014\/08\/untitled-300x225.jpg 300w, http:\/\/first2board.com\/wanderlusty\/wp-content\/uploads\/sites\/48\/\/sites\/48\/2014\/08\/untitled-400x300.jpg 400w, http:\/\/first2board.com\/wanderlusty\/wp-content\/uploads\/sites\/48\/\/sites\/48\/2014\/08\/untitled-200x150.jpg 200w, http:\/\/first2board.com\/wanderlusty\/wp-content\/uploads\/sites\/48\/\/sites\/48\/2014\/08\/untitled-150x112.jpg 150w, http:\/\/first2board.com\/wanderlusty\/wp-content\/uploads\/sites\/48\/\/sites\/48\/2014\/08\/untitled-386x290.jpg 386w, http:\/\/first2board.com\/wanderlusty\/wp-content\/uploads\/sites\/48\/\/sites\/48\/2014\/08\/untitled-290x218.jpg 290w, http:\/\/first2board.com\/wanderlusty\/wp-content\/uploads\/sites\/48\/\/sites\/48\/2014\/08\/untitled-193x145.jpg 193w, http:\/\/first2board.com\/wanderlusty\/wp-content\/uploads\/sites\/48\/\/sites\/48\/2014\/08\/untitled.jpg 1024w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/a>i&#8217;ve mentioned before about <a title=\"I\u2019m Moving to a Better Checking Account for International Travel\" href=\"http:\/\/first2board.com\/wanderlusty\/2014\/01\/im-moving-better-checking-account-international-travel\/\">why i like<\/a> the fancy-named and fancy-featured, but definitely also for unfancy people like me, <a href=\"http:\/\/www.schwab.com\/public\/schwab\/banking_lending\/checking_account\">High Yield Investor Checking Account from Schwab<\/a>.<\/p>\n<p>to sum it up:<\/p>\n<ul>\n<li>all ATM fees reimbursed, including international ones<\/li>\n<li>no foreign transaction fees<\/li>\n<li>no minimum balance<\/li>\n<li>no fees<\/li>\n<li>other goodies like travel accident insurance, price protection, and purchase security, though i&#8217;ve never used\u00a0these features<\/li>\n<\/ul>\n<p>and now, <em>they have a chip+signature debit card available<\/em> (hat tip <a href=\"https:\/\/twitter.com\/travelpeon\/status\/499777194927726596\">@travelpeon<\/a>). no, it&#8217;s not chip+PIN, so you may still run into problems at vending machines (e.g., public transit ticketing) abroad, but at least you&#8217;ll be in a better position\u00a0if you&#8217;re in a country where card swiping is not widespread and merchants are used to chip cards.<\/p>\n<blockquote><p><strong>sidebar: using a chip card<\/strong> for those not familiar, if you are presented with a handheld credit card terminal, look for the slot, usually on the front, with a chip symbol on it. just stick your card in, chip up and facing away from you, into the reader, and follow the instructions on the screen. do not remove your card until the transaction is finished. remember, if you are asked if you want to be charged in dollars (or whatever your home currency is), <a href=\"http:\/\/www.washingtonpost.com\/lifestyle\/travel\/the-navigator-the-dangers-of-dynamic-currency-conversion\/2013\/05\/16\/cefa275a-bc0a-11e2-97d4-a479289a31f9_story.html\">SAY NO<\/a>. it&#8217;s never a good deal &#8212; pay in the local currency.<\/p><\/blockquote>\n<p>of course, i&#8217;d recommend using a credit card over a debit card so you can earn miles or points, but this is a good backup to have. oh yeah, if you&#8217;re an existing customer, call 800-453-7875 or start up a chat with a representative when you&#8217;re logged in to the website to request a one (free!), or just wait until you are due for a new card and you&#8217;ll get one automatically. plus, it looks a lot better than the old one, no?<\/p>\n<p>this new card still won&#8217;t solve all our problems when traveling abroad (like the one below), but it&#8217;s a step in the right direction.<\/p>\n<blockquote class=\"twitter-tweet\" width=\"500\">\n<p>Ah poor man. If only I&#39;d arrived a couple minutes earlier I could have saved him from the money-eating ticket machine <a href=\"http:\/\/t.co\/mSWafZU0FA\">pic.twitter.com\/mSWafZU0FA<\/a><\/p>\n<p>&mdash; Jonathan Khoo (@jonk) <a href=\"https:\/\/twitter.com\/jonk\/statuses\/437111983230709760\">February 22, 2014<\/a><\/p><\/blockquote>\n<p><script async src=\"\/\/platform.twitter.com\/widgets.js\" charset=\"utf-8\"><\/script><\/p>\n<p>p.s. is it true that the US will not get chip+PIN any time soon? even though we&#8217;re moving to EMV, it looks like <a href=\"https:\/\/twitter.com\/xtopher1974\/status\/504722089715458048\">they&#8217;re going to be chip+signature<\/a>?<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>i&#8217;ve mentioned before about why i like the fancy-named and fancy-featured, but definitely also for unfancy people like me, High Yield Investor Checking Account from&#8230;<\/p>\n","protected":false},"author":60,"featured_media":6052,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_mi_skip_tracking":false,"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_newsletter_tier_id":0,"jetpack_publicize_message":"Another Reason Switch to Schwab Checking -- Chip + Signature Debit Card Now Available","jetpack_is_tweetstorm":false,"jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","enabled":false}}},"categories":[12],"tags":[100,993,992],"jetpack_publicize_connections":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v19.13 - 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