Debit card help question for 2fast or someone like him.

To 2fast or someone like him.


Here is the problem.
I noticed when I use the debit card at a store using a pin, it said invalid pin, when it was the correct pin. The bank has no idea and they are checking into, why it is not working. The pin did work at the banks atm, it didnt work at store or at a foreign atms (another banks atm). I tried my own experiment. I changed my pin. However, this time when I went to try it at the store. Using the pin at the store. It said not authorized. This only happens with pin transactions and the pin debit network they use is Pulse. Signature transactions do work without a problem. I go to places that require pin debt card use. Dollar General, Family Dollar (My Family dollar does not take credit cards yet), Alds, etc. What should I tell my bank is wrong with pin side my debit card?

Thank you for this information.




I am peaking out, I said, I was only gone to post if I need help, which I do. Please, no debates on debit cards or saying don't use debit cards. I just want to know what the problem is, so I can tell my bank. Thank you.

I haven't used my debit card as an actual debit card more than maybe half a dozen times.

Is your card issued by a major bank?

Its possible that there may have been a compatibility problem with the pin pad. If that's the case, you type in 1234 but the machine reads 7890 (or something). Do this 3-5 times, and most cards will lock you out.

Of course, if you tried this at different merchants, that's probably out.

That's really odd though... good luck.

No, it is not the pin pad. One thing, the pulse network could of been down on 10-22-09. I have not tried it Today, since I am working with the bank. Another thing, I thought it could be the magnetic strip could be damage. It works as a signature transaction. The pin works fine at my banks atm but not at foreign atms or at merchants. That why I was asking for 2fast help, he works in the industry and would know if there is/was a problem with the pulse network and could explain it. The bank increased my pin limit tries.

After the second error, it may give the bank more information on what is wrong with my card. Transaction Not authorized. Which usually means no balance, there is a sufficient balance. Again that why I was asking for 2fast or someone like him for help.

He is what happen
Tried pin at the store, twice. Invalid pin. But signature transaction worked
Went to the bank.
Work a their atm,
Told me to try another banks atm (Yes, that is strange we both laughed on that)
Foreign Atm, Said invalid pin.

Later, I thought. Why not change your pin at the atm.
So, I did that.

Tried it at the store, it said transaction not authorized. However, signature transaction went through.

To answer you question, it is a state bank (was not affected by the recession). I been with this bank for years. It kind of pointless to have a debit card if you cant use it as a pin transaction or at foreign atms.

I just glad I was not out of the country or outside of my state.

That is really really odd. Good luck with it! I'm interested to see what 2fast has to say. I scoured the net looking for a similar case last night but found nothing. Please keep us posted when it gets resolved!

I did a search the net first before posting here. The only thing I can thing of, is the magnetic strip got partially damage and only affecting the pulse network. I asked another bank, they said the Pulse network was running but Pulse could be down in certain areas. I will most likely will have to get a new card with a new number.

What makes me mad (This applies to most banks) is they only use one atm Pin network. They need to have two pin atm network and one atm network.

Most banks here
Have the Pulse and Interlink network.
The others only have jut the Pulse and cirrus network.

They need to have at least one or more of the other pin networks
Maestro, Interlink, Nyce, Star, Pulse, Etc

Plus and Cirrus are atm networks.

Is it a Navy Fed card?

I don't know what network they use, but around here since it's a military community there are tons of people with Navy Fed cards. I have worked at a few different stores throughout the past few years and none of them are able to accept the Navy cards as debit, they have to be run through as credit to work.

The store "Henrys" in socal does not let me use my debit card with a pin. But i can use it as a CC transaction. It's the only store i have come across that has a problem with my pin number. Dunno what it is either; i never really looked into it since i can use it as a CC.

Update, the problem is fixed. They were in the process of changing software. They may have change the pin network as well, but I am not sure. They still couldn't figure it why it was coming up as invalid pin, instead of network not available. I think they put my debit card on another network, either Star or Maestro. It works as both signature and a pin. I am just glad, I was not out of state or even worse out of the country. Debit cards have the best exchange rate for outside of the U.S. for purchases.