Should I swipe my card or insert it into the terminal?

That depends on the merchant. If the merchant has a chip-enabled terminal, you will insert your card into the terminal. Please follow the prompts displayed on the terminal screen to complete your transaction. If the merchant does not have a chip-enabled terminal, you will swipe your card. If you are in doubt, you can ask the merchant or simply swipe your card.

Where can I use my chip card?

You can use your chip card anywhere Visa® cards are accepted – in stores, online, over the phone and at ATMs. Some merchants are already equipped with chip-enabled terminals. If a merchant is not yet chip-enabled, you can continue to swipe your card, as it still contains a magnetic strip.

Can I use my chip card at ATMs?

Yes, however your transaction experience may change depending on the ATM. You may be asked to insert your card a second time into the ATM, or your card may be retained by the machine until the transaction has completed. As ATMs are updated to support chip cards, the transaction experience may change over time. Just follow the instructions on the ATM screen.

How do I use my chip card to complete a transaction?

The transaction process is simple. If the merchant has a chip-enabled terminal, simply insert your chip card in the terminal and sign or enter your PIN (for debit or Smart Access cards) to authorize the transaction.

cards) to authorize the transaction. If the merchant is not yet equipped with a chip-enabled terminal, just swipe your card and sign your name or enter your PIN (for debit or Smart Access cards), as usual.

cards), as usual. The process for online and phone transactions does not change. Simply provide the card number and other verification information as you do today.

Do I need a chip card for making purchases and ATM withdrawals overseas?

This depends on where you are traveling. Most countries have converted to using chip cards. Rest assured that your PNC chip cards will be accepted internationally wherever you see the Visa logo. Your card provides enhanced acceptance at retailers that prefer chip cards. Consumer Debit Card International Collect: 412-803-7711

Business Debit Card International Collect: 412-803-0141

Consumer and Business Credit Card International Collect: 412-803-7787 The specific phone number for your card is also located on the back of your card.

Do I need a PIN to make purchases?

For debit or SmartAccess cards, you can either use your PIN or signature to make your purchase. For credit card, your card utilizes a chip & signature process, so you would just sign your name as you do today with your existing non-chip card.

What is Chip & Signature vs. Chip & PIN?

The terms "PIN" or "Signature" refers to how a customer authorizes a chip transaction – either by entering a PIN or by providing a signature. When using your PNC chip-enabled card, you'll be prompted for a signature or PIN (for debit and SmartAccess cards) to complete the transaction, just as you are today. The chip helps to make the transaction more secure by encrypting information when completing a transaction at a chip-enabled terminal. You should continue to use your existing credit card PIN for cash advances and your existing debit card or SmartAccess card PIN when completing a PIN based transaction.

I requested "debit" at a chip merchant, but why wasn't I prompted to enter my PIN or given the option of cash back?

You may encounter merchants or terminals that aren't fully enabled to process chip "debit" purchases, but rather only chip "credit" purchases. In this instance, your transaction will be debited from your available balance just like a debit purchase, and you may have to sign for your purchase, if required by the merchant. If you desire cash back, remember that you can always visit any PNC ATM or branch to withdraw funds free of charge.

What do I select if given the choice of "VISA DEBIT" or "US DEBIT" at a chip enabled ATM?

Either option can be selected. Follow the remaining screen prompts to complete your withdrawal.

How do I use my new chip card overseas?