Andrews Air Credit Union

Currently, this is the only bank in the US where you can find chip-​and-​pin credit cards. [NOTE: SEE UPDATE BELOW, it doesn’t even default as a PIN card] So that’s a reason to use them. If it weren’t for that, I wouldn’t have bothered. And if you have any other choices, you shouldn’t bother either.
This is a company that’s truly in the dark ages with technology. You’ll get a login for the application process (what?) another for the bank, a third for the credit card. None of those logins actually work at the Andrews AFBCU website. You actually can’t even create a login for the bank account because the website fails, and you have to call them to create an account for you.
You can’t assign your own PIN for a debit or credit card. You have to memorize the number they give you. You can call a phone number to get support, but they redirect you to two other phone numbers. «Where did you get this number?», they ask. It was on the credit card.
When you call for bank account support, they ask you «what is your password?». Well I have no idea what my password is. Did I enter this information on my application? No. Their application doesn’t have a choice of questions that only you would know, like «what’s your favorite movie» or «what was your elementary school mascot», instead it’s just «what is your password.»
It’s just not very professional, from a tech standpoint. I want a normal login that works for the bank I actually use, not some strange third-​party site. I want to change my PIN over the phone using an automated menu. I want an actual security question to be asked of me, one that I will know.
If you want a chip-​and-​pin card in the US, this is your current option until about October 2015. Otherwise, please use any other bank.
Update:
After travelling with the Chip-​And-​Pin card, I discovered that the card NEVER ONCE ASKED FOR A PIN. So this is, in fact, a chip-​and-​signature card by default. This is confirmed by Visa unit at Andrews: if a merchant accepts chip-​and-​signature, this card will default to chip-​and-​sig by default. It’s only chip-​and-​pin, they say, at unattended kiosks (I didn’t have the opportunity to test this). So their card defaults to a less secure setting.
Comically, when I called customer support to ask about this, here was the exchange:
— Operator lady: let me transfer you to member services
— Me: isn’t this member services?
— Operator: no, this is customer services.
I can’t make that up. I’m not sure this bank is trying to be taken seriously.
Update #2:
Received a letter from them that had this text: The $OPTVAR3 has been credited back to your account.
Seriously, this place CANNOT be taken seriously.

Hands down, the worst banking system I have ever experienced. Slow slow slow service, and system from the dark ages. I hate this credit union.