Protect your PNC Bank Visa® Card Information

Chip and PIN Card Technology

Your new PNC Chip and PIN card utilizes chip technology with PIN verification for increased security and international acceptance. It is important to memorize your PIN number.

Have questions?

See answers to common

Chip and PIN card questions.

Get big protection in a tiny chip


Chip and PIN Cards offer a number of benefits to your cardholders:

  • Stronger fraud protection: Counterfeit fraud occurs when a duplicate card is created using data taken from the magnetic stripe of a genuine card. The data stored on the embedded chip in a chip card is encrypted and a unique decryption key is generated with each transaction. It is nearly impossible to clone the chip on the card.
  • Increased acceptance: Most countries outside the U.S. have already adopted chip technology.  Chip terminals at the point of sale are standard and many merchants require a chip card when processing purchases. As the U.S. becomes chip capable, merchants may require chip cards for credit card transactions.


Using your PNC Chip and PIN Card is Easy!

How to pay using a card reader

Step 1

Insert the chip end of your card into the terminal
with the chip facing up.

Step 2

Keep your card in the terminal and follow the prompts on screen. You might be prompted for
your PIN number.

Step 3

Remove your card when prompted and take your receipt. You may also have to sign for your purchase.


Remember: The chip card still has a magnetic stripe, in case you need to use it at non-chip-enabled terminals.

Chip Card Technology Overview
FAQs - Chip and PIN cards
Contact Us

Important Information and Disclosures

PNC is a registered mark of The PNC Financial Services Group, Inc. (“PNC”).

EMV is a registered trademark in the U.S. and other countries, and is an unregistered trademark in other countries, owned by EMVCo.

Bank deposit, treasury management and lending products and services are provided by PNC Bank, National Association, a wholly-owned subsidiary of PNC and Member FDIC.

Lending and leasing products and services, including card services and merchant services, as well as certain other banking products and services, may require credit approval.

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