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Walmart Did Not Allow Debit Card To Be Used As Credit Card.

kiwi   |     |   112 posts since 2013

On 5/1/2015, I had 5 out of 12 Walmart transactions post as debits. You have to keep close track of your credit transactions or you may be short on your rewards checking account requirements. Look at your receipts immediately to verify they were  credit and not a debit transactions (especially Walmart). On the Walmart receipt, look for the TOTAL. The line under the TOTAL  will say DEBIT TEND (debit)  or MCARD TEND (credit). I have only experienced this at Walmart. Sometimes, they do not give you the option to use it as a credit card. It automatically processes it as a debit even though you press credit card. There is no way to cancel it. You would have to go to customer service for a refund. It did the same thing at self-service and the cashier. The cashier and the self-service attendant could not make it process differently either.  It was not debit card or bank specific. I used different 4 cards for 3 transactions each as usual. 5 of the 12 transactions were processed as debits. This is the first time I have had this problem at Walmart. They may have changed something about their system.

Ken Tumin
Ken Tumin   |     |   5,957 posts since 2009
Thanks for posting this info. It has been reported that Walmart has started to treat signature-based debit card purchases of under $50 as a special case of PIN-based debit card purchases known as PINless debit card transactions. I have more details in this blog post.
kiwi   |     |   112 posts since 2013
On 5/1/2015, 5 of 12 transactions processed as debit on 4 different debit cards.  At self-checkout, 2 went through as debit. The attendant sent me to the cashier because she could make it go as credit. She couldn't. I told the cashier I needed to use my debit card as a credit card. All of the cashier transactions, (stopped her at 3) went through as debit. The screen only gave me an option to get cash or not. I went back to self-checkout and got the 7 remainder transactions processed as credits.
On 5/4/2015, 7 of 7  transactions processed as credit on 3 different debit cards through the self-checkout.
I advise everybody to use self-checkout at Walmart.
tmdeee   |     |   19 posts since 2013
According to my Credit Union, McDonald's is also doing this. My CU has been deluged with phone calls since May statements came out and people didn't see the interest paid on these accounts. The CU is correcting it for May only.
Paul Lukasiewicz
Paul Lukasiewicz   |     |   1 posts since 2016
I have not had any problems at the McDonald's in my area (PA.) Most of the time though, I use Apple Pay, connected to my debit card, and it pushes it through as credit without a problem. Walmart does not accept Apple Pay. I'm wondering if you use Walmart Pay if you're able to push it through as credit too, or do you have the same credit/debit issue as with a regular card?
ekeppel   |     |   1 posts since 2016
The short answer:  Pre-swipe your card and you can force it through as credit. :-D

The long answer:  I get cash back for using my card for signature purchases, and these changes were taking that from me by forcing things through as Pinless Debits.  I used to be able to just say no to cash back and then change the payment type to credit, but that hasn't been working since the changes that Wal-Mart made.  

I discovered that if I swipe my card ***before*** all of my items have been scanned, then the system will ask me if I want cash back as usual, and after hitting "No" and selecting "Change payment" and then "Credit" and it will actually go through as Credit.  If you don't pre-swipe, then you may get those same options on the screen, but the system forces it through as Pinless Debit.  Pre-swiping is the key!

Of course any transaction over $50 can go through as Credit just fine, but I make lots of smaller purchases using my PayPal debit card, and I want my cash back for every one of them.  Try it at your local Wal-Mart and see how it works for you.  Hope this is helpful to someone. :-)

kiwi   |     |   112 posts since 2013
Thank you so much. If you live in Georgia, AmericanPrideBank.com doesn't care if it debit or credit. According to rep via E-mail.  At Destinations Credit Union, debit card purchases count.
deymond   |     |   2 posts since 2012
Kiwi, have you verified that this is the case? When I opened an APB account in May of last year, I was told that the requirement was 12 POS debits per month. Kroger and Walgreens are the only merchants we shop at whose transactions reliably show up as POS debit. If you have a statement that has posted with less than 12 "POS DEB" transactions, I'd definitely like to know if they automatically qualified you for the higher interest rate.
kiwi   |     |   112 posts since 2013
Does the card you use have a chip? Thanks
arthurtony   |     |   5 posts since 2016
Same thing happened to me at Walmart and now at Giant Eagle.  Consumers Credit Union would not honor the transactions.  I had no clue this had occurred, as I was not in the habit of checking the receipts.  I closed the account because I felt they should have honored it for that month, with a warning going forward.  However, it is going to be a hassle going forward if other merchants start doing this.  You'll run out of stores to shop at to fulfill the requirement.
Ally6770   |     |   2,424 posts since 2010
Lake Michigan Credit Union allows anyone to join or did allow everyone to join. They pay 3% up to $15,000 with 10 debits a month either as a pin or signature based. I have had this account for years. 
I think I opened it when United Federal reduced their rate from 6.5 or 6.25 in 2008. They have continued with 3% throughout the financial crisis and have not change any of the requirements.