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Old 11-11-2007, 10:44 AM   #16
CanadianGuy


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On Disney property ... ATMs are a definite yes.

Disney does not have much by way of debit that works for Canadians.

Stores on US 192 however.. do.

Knox
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Old 11-11-2007, 11:02 AM   #17
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I can't remember if i used a TD in WDW but i know i can use my TD card in Buffalo where as others with me could not(eg-CIBC did not work in USA debit machines) However, if you are staying on site, You can use your hotel key to charge everything back to your room. It is much easier then carrying around cash. When we went shopping at Walmart in Orlando, i was able to use my bank card. But on site, i just charged everything to my room.
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Old 11-11-2007, 11:25 AM   #18
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Found this

Quote:
Debit cards cannot be used unless they have a credit card option.
On this page..

http://www.wdwinfo.com/wdwinfo/paymenttypes.htm#credit

In a nutshell, regardless of whether you are a Canadian or an American, unless your debit card has Visa or Mastercard logo imprinted .. you can't use it at Disney locations.

Hope this helps.

Knox
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06/2006 - Pop Century | 03/2007 - Pop Century | 06/2007 - Coronado Springs
12/2007 - All Star Sports | 06/2008 - Pop Century | 09/2008 - All Star Sports
06/2010 - Swan | 06/2012 - Dolphin | 01/2013 - All Star Sports


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Old 11-11-2007, 05:01 PM   #19
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We cross the border regularly and in Maine we cannot use our Scotia Bank card for debit. However, they do accept Credit Union cards for some reason but I think that's it.
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Old 11-11-2007, 07:02 PM   #20
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My TD Canada debit card works GREAT in Maine. No additional charges for this feature, just the current exchange.. which is currently in our favor.

TD uses the NYCE system for debit transactions. So anywhere you see the NYCE logo, you can use your TD Debit Card.. But again - this is not possible on property at Disney.

Details here:
https://www.tdcanadatrust.com/ebanki...nadatrust.com/

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06/2006 - Pop Century | 03/2007 - Pop Century | 06/2007 - Coronado Springs
12/2007 - All Star Sports | 06/2008 - Pop Century | 09/2008 - All Star Sports
06/2010 - Swan | 06/2012 - Dolphin | 01/2013 - All Star Sports


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Old 11-11-2007, 08:13 PM   #21
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You will be able to use your debit card at almost any ATM in the USA (including ones at WDW). I've never found an ATM that wouldn't accept my Scotiabank card.


If you want to use your debit card for POS purchases, you will be more restricted. Each Canadian bank has their own agreements with the debit card networks in the USA.

In checking TD's website, I could not find any reference to TD having an agreement with a USA debit network, so I think you'll be restricted to ATM's only.
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Old 11-11-2007, 08:22 PM   #22
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See link in my previous post.
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Everything You Need to Know About Discount Codes & PINS For Disney Resorts

06/1995 - All Star Music | 11/1998 - Wilderness Lodge | 10/1999 - Disneyland
06/2006 - Pop Century | 03/2007 - Pop Century | 06/2007 - Coronado Springs
12/2007 - All Star Sports | 06/2008 - Pop Century | 09/2008 - All Star Sports
06/2010 - Swan | 06/2012 - Dolphin | 01/2013 - All Star Sports


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Old 11-11-2007, 08:29 PM   #23
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Yes, my Scotiabank card works in the ATMs there but there's a couple of service charges that go along with it.

Really, your best bet is to exchange your money before you go. That way you get a good rate and no worries about things not working. If you don't want to carry a wad of cash, go with traveller's cheques.
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Old 11-11-2007, 08:31 PM   #24
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If you dont want to carry around a lot of cash why not put it on your room key and then you can use it like a debit card. Just charge your purchases or dinners and the money is already there.
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Old 11-11-2007, 08:57 PM   #25
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If I have a rental car, one of my tricks is to do a 'cashback' on a debit transaction at a Walgreen's or Walmart. This eliminates the cost of the 3$ ATM fee and keeps me from having to carry around wads of cash etc.

Again - this works because I'm with TD.
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Everything You Need to Know About Discount Codes & PINS For Disney Resorts

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06/2006 - Pop Century | 03/2007 - Pop Century | 06/2007 - Coronado Springs
12/2007 - All Star Sports | 06/2008 - Pop Century | 09/2008 - All Star Sports
06/2010 - Swan | 06/2012 - Dolphin | 01/2013 - All Star Sports


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Old 11-12-2007, 05:34 AM   #26
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how close is there a walmart or superwalmart we may rent a car for a day or two while we're there
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Old 11-12-2007, 06:15 AM   #27
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My BMO card worked at any debit machine that had a pinpad. The issue was that many of the US debit machines don't have a pinpad yet. I found most places outside of Disney did but Disney did not.
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Old 11-12-2007, 12:45 PM   #28
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Even some of the ones with pinpads though won't accept some bank cards.
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Old 11-12-2007, 12:56 PM   #29
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Quote:
Originally Posted by debbiet1 View Post
how close is there a walmart or superwalmart we may rent a car for a day or two while we're there
There are actually a couple within driving distance of Disney. Probably the closest would be the new one on Turkey Lake Road not far from Seaworld and Universal. If you take I-4 to Sand Lake Road, turn left on Sand Lake, then take another left on Turkey Lake Road, which should be your first left, it'll be a few blocks down on your right hand side.

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Old 11-12-2007, 01:39 PM   #30
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Ok.. there is a little bit of confusion on this ... So I did some research today... and here are the results.

There are a number of large debit system clearinghouses in the United States. Two of the biggest are NYCE (New York Cash Exchange) and Maestro (a division of Mastercard). Generally speaking, most large retailers accept both of these. Some of your mom & pop shops might accept one but not the other. My own personal experience is that I have yet to find a merchant who didn't accept BOTH on my drives from Houlton, ME to Orlando, FL. That said, you might just be lucky enough to find that one merchant that I could not.

RBC, TD, ScotiaBank uses the NYCE system for debit in the United States. If you are a customer of one those institutions, you're looking for the NYCE logo. If the merchant's system refuses your transaction, they're probably not part of the NYCE network. I'm with TD myself and have used this feature on NYCE merchants from Walmart and Walgreens, to Target, Chili's and even McDonalds.

BMO customers use the Maestro debit network. So you're looking for the Maestro logo to know if you can use your debit card at that merchant. The Maestro logo looks like the Mastercard logo, except it says Maestro. Rule of thumb: If they have a debit machine AT ALL and accept Mastercard, generally that means it accepts Maestro as well.

CIBC does not have a webpage that explains whether or not U.S. debit options are available to their clientele. So for now -- that one is a question mark. President's Choice Financial is just CIBC rebranded.. so the same rules apply to PC Banking customers - call to find out but there doesn't appear to be a U.S. debit option available to you.

Most Canadian credit unions/Caisse Populaire branches actually offer the 'Mastercard' debit card option where your card has an MC logo and is accepted like a credit card without a PIN whereever MC is accepted.

ScotiaBank Info:
http://www.scotiabank.com/cda/conten..._LIDen,00.html

Royal Bank (RBC) Info:
http://www.rbcroyalbank.com/RBC:RyVk...ebit-card.html[

Bank of Montreal BMO Info:
http://www4.bmo.com/bmo/popup_templa...d=0#acc_access

TD Bank Info:
https://www.tdcanadatrust.com/ebanki...nadatrust.com/

If you bank at a location other than one of these listed, you should call your financial institution to find out what options are available to you for DEBIT purchases in the U.S.

ALL of the above providers allow ATM access in the states... usually for a fee.

Hope this clears it up.

Knox
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Everything You Need to Know About Discount Codes & PINS For Disney Resorts

06/1995 - All Star Music | 11/1998 - Wilderness Lodge | 10/1999 - Disneyland
06/2006 - Pop Century | 03/2007 - Pop Century | 06/2007 - Coronado Springs
12/2007 - All Star Sports | 06/2008 - Pop Century | 09/2008 - All Star Sports
06/2010 - Swan | 06/2012 - Dolphin | 01/2013 - All Star Sports



Last edited by CanadianGuy; 11-12-2007 at 01:51 PM.
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