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squirmyworm,

You wrote, I'm confused. I have an ATM card with a Visa logo. I've used this card at an ATM, as a debit card, and a credit card . And I was always charged $1/mo no matter what. What happens when you activate it?

30 seconds later it goes ka-boom! :-)

Seriously though, some banks can treat the ATM and Visa/MC checkcard components separately. Either way it's a debit card; but without the checkcard component activated, you have to know the PIN to take money out of your account.

My credit union charges for neither and they offer both checkcards and ATM-only cards. I only carry the latter.

- Joel
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