Pretty much all new US cards now have chips in them. Nearly the entire market has shifted over to that in the last year. The only cards remaining without chips are those that are running out their expiration date.
Merchants are now liable for fraudulent charges if they haven't switched to EMV terminals. The payment processor hasn't born that risk for nearly a year.
Chip ATMs are extremely rare in the US. Which sucks, because the chip in your debit card is only as good as the difficulty of finding a non-chip ATM.
They insert the card. Nothing happens. After a while they get confused and pull out the card. By then some infomercial is playing.
Eventually they figure out you're supposed to swipe your card in the ATM. There is nothing on the machine that tells them to do so. European ATMs tend to be wonders of usability in comparison.
It's an interesting UX lesson.
Yeah, but pretty much all chip readers in the field are disabled. It seems most merchants would rather eat the fraud then issue a configuration change (!!).
AFAIK EMV terminals are not required in the US, and the payment processor bears all the risk. This could explain why they must charge higher fees, too.