Originally Posted by
alexmt
If it set without error on the website, and you've made a few chip transactions, you should be fine. Remember the PIN on the chip is a worst case scenario. Even most PIN-only kiosks will use the online PIN since it is the priority. There's no guarantees, but you're putting far more effort into this than the hassle will be if it doesn't work. The card is far more likely to get declined as suspected stolen or to just randomly not work than it is for your PIN to not be processed correctly.
Enough of the pin on the chip fixation please!
Pretend the chip isn't even there.
Again, all I need to verify is that the pin is correct by testing via an ATM WITHOUT actually performing any action on the ATM that might generate a fee. Thus, I just need a message that is different when the pin is correct that when it is incorrect WITHOUT the possibility of performing a fee generating transaction.