Meanwhile pretty much all retail/ATM withdrawals in the EU require both chip (something you have) and PIN (something you know).

>ATM

Chip ATMs are extremely rare in the US. Which sucks, because the chip in your debit card is only as good as the difficulty of finding a non-chip ATM.

Chase bank updated their ATMs recently. Pretty sure it's just a matter of timing at this point before most ATMs are chip-enabled.

It's fun to watch Europeans (like myself) use ATMs in the US.

They insert the card. Nothing happens. After a while they get confused and pull out the card. By then some infomercial is playing.

Eventually they figure out you're supposed to swipe your card in the ATM. There is nothing on the machine that tells them to do so. European ATMs tend to be wonders of usability in comparison.

It's an interesting UX lesson.