Originally Posted by
xchpstang
FWIW, used my Fidelity debit card in Mexico last week for several withdrawals. Got awesome exchange rates and all ATM fees were refunded instantly. Also yes, as others have mentioned, my new Schwab debit card has a chip. The documentation explicitly has instructions about chip and signature. I would imagine that being it is a debit card with a PIN it should also work as chip and PIN, right?

Not necessarily for purchases. Unattended cash is a different CVM list entry all credit cards have as PIN...
Schwab chose to be stupid and use signature for purchases which really sucks.