Protect your PNC Bank Visa® Card Information

Chip and Signature Card Technology

Your new PNC Chip and Signature card utilizes chip technology for increased security and the ability to transact at chip-enabled terminals. You will be prompted to provide your signature to authenticate your transaction.

Have questions?

See answers to common

Chip and Signature card questions.

Get big protection in a tiny chip


Chip and Signature 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 with Signature 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.

Step 3

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


Remember: The chip card still has a magnetic stripe, just in case you need to use it with a traditional terminal.

Chip Card Technology Overview
FAQs - Chip and Signature cards
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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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