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I'm with jrr7 on this one -- none of the above.

An ATM CheckCard is a convenience for the bank; not the me or the merchant. It's a convenience for the bank because they would earn a fee if I used it. It's not for me because the card would put my money at risk -- not the bank's -- and would involve greater potential risk than a credit card. It's not for the merchant because he runs similar risks and pays the same fees as if the card were a credit card.

I use a PIN-based ATM card. I don't have a CheckCard. My Credit Union pushes the CheckCards; but offers customers both types if they ask.

- Joel
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