Umpqua Bank / terrible service
Large megabank, umpqua, refuses to issue a bank atm only, NON Visa type debit card. Call to their customer no service people did get their suggestion to set a limit on the visa transaction to say $1 or so, to limit risk. I strongly object to the bank not giving me the consumer a choice here. According to many sources, the visa debit card present an increased risk for fraud, since they do not use a pin number. The banks charge merchants more for their fees and therefore push these on the consumer. So far the suggestions have not been implemented and I have to follow up on this to be sure my account is as safe as I have been led to believe.
I think this sucks. There is an industry trend here to push these visa debit cards, yet some banks still offer the non-visa type cards. Careful reading of their fine print will reveal that the provions to combat fraud do not protect the consumer as effectively as they would have you believe.