Comment by TomSawyer

My experience using Apple Pay with a checking account's debit card at Whole Foods Market and Trader Joe's is that it only saves having to swipe/insert the physical card. I'm still required to enter the pin. Sometimes it gives me the options of "VISA Debit" or "US Debit" which both work the same way. A few times I've gotten lucky and it gives me the option of "Credit" or "Debit" and when I pick "Credit" it's a toss up -- probably driven by the amount of the transaction -- on if the transaction is complete or if I have to "sign" with the stylus on the POS.