Chip Cards are now enabled at PNC ATMs, making your experience even more convenient and easy. Depending on the type of ATM, your banking experience may vary.
PNC has two types of ATM screens - screens that are key-controlled and touch-screens. You can expect enhancements at both types of ATMs.
The enhanced screens won’t impact the function. PNC Bank ATMs still offer check-cashing and check images on receipts. Deposits made before 10 p.m. ET (9 p.m. CT) will still be considered to be made that day.
On this ATM type, the user chooses transactions via the push-button keys flanking the screen.
On this ATM type, the user indicates choices by touching the screen.
When selecting an account for a transaction, PNC customers will see a change. Instead of “generic” account designations, (i.e. Checking 1, Checking 2, etc.) the last four digits of the account will be listed.
This change will only be for PNC account holders. Non PNC-account holders will continue to see generic account designations.
The PNC ATM Personalization feature will also be enhanced to make visiting our ATMs an easier, faster experience. In the past, a user had to enter three settings (language, receipt and fast cash) in order to enable ATM personalization preferences. With the enhancement, ATM Personalization no longer requires a user to enter all three settings.
Customers personalizing their ATM experiences will be asked to choose a preferred language. After that, languages can be changed in the “Preferences” menu or online through a user account link.
Within Preferences, your language, fast cash and receipt selections can be set up individually as well as altered individually. Also note that the Preferences will include an e-receipt option, so that receipts can be sent to a PNC account-holder’s e-mail address on file.
As an enhanced option, PNC customers will be able to choose an e-receipt. This means that ATM receipts will be sent to the primary e-mail address customers have registered with PNC. Customers will not be able to alter or input an e-mail address at the ATM. When a user chooses the e-receipt option, that user will be shown the e-mail address on file and asked to confirm that it is correct.
PNC SmartAccess® Prepaid Visa® card customers will now be offered ATM options specific to their cards. That is, ATMs will read prepaid cards and display their corresponding transactions (instead of the comprehensive transaction menu offered to debit card holders). The new function will ensure that PNC SmartAccess prepaid card customers choose eligible transactions. That is, PNC SmartAccess card holders can't accidentally choose inapplicable options and receive an error message.
What is a chip card?
A chip card enhances card security for electronic payments when inserted in the chip card reader (not swiped) of a chip-enabled terminal. The chip generates a unique transaction code which is shared with the ATM processor. This makes the card difficult to copy.
What is EMV?
Chip cards are based on a global card payment standard called EMV, currently used in more than 80 countries. There are more than 3.4 billion chip cards issued across the globe.
Will my chip card prevent all fraudulent activity?
No. Your chip card provides an additional layer of security at chip-enabled terminals; however, perpetrators continue to look for new opportunities to commit fraud. PNC will continue to provide 24 hour fraud monitoring and, as always, your PNC Visa debit, credit, and PNC SmartAccess cards come with Zero Liability Fraud Protection.
How do I know if I have a chip card?
If you have a chip card, the chip is located on the front of the card. You will still have a magnetic stripe on the back so that you can use it at merchants who don’t accept chip cards yet.
What does a chip-enabled ATM look like?
Chip-enabled ATMs have all of the features that you are used to. You likely won’t notice any physical difference between a magnetic stripe ATM and a chip-enabled ATM.
How do I know if an ATM accepts chip cards?
Insert your card into the ATM with the chip facing up as you normally would. If the ATM is chip-enabled, the machine will recognize the chip on your card and will guide you through the transaction.
What should I expect when using my chip card at a chip-enabled ATM?
Depending on the type of ATM, your experience may differ slightly.
If your card is not visible, use these basic steps for a successful ATM transaction:
If your card stays visible, use these basic steps for a successful ATM transaction:
What if I remove my card before the ATM prompts me to do so?
If your card is removed prior to the prompt, the terminal and your card may be damaged. If there is no visible damage to your card and the machine returns to the welcome screen, you can attempt the transaction again. If the machine states out of service, then you will need to use a different ATM. If you card is physically damaged or denied by the ATM, you will need to call the PNC Care Center at 1-888-PNC-BANK, or visit a teller at a branch, and go through the process of ordering a new card.
Can I still use my chip card at a non-chip-enabled ATM or merchant terminal?
Yes. Your card will have a chip and a magnetic stripe to accommodate any situation.
What if the ATM doesn't accept chip cards?
Cards will still have a magnetic stripe on the back, so even if a terminal or ATM is not yet chip-enabled, you can use your card as you do today.
Where can I find more information about using my chip card at merchant terminals?
Visit pnc.com/chipcard for more information about using your chip card for transactions at merchant terminals.
How do I know if I am at an ATM with the enhanced screen?
ATMs that have the enhanced screen will have an orange bar at the top of each screen as well as a gray screen background.
I had a Personalization profile set up and I am being asked to set up another. Why?
Profiles created prior to the ATM upgrades are not compatible with the upgraded platform. However, a new profile can be created in only a few seconds. This can be done at the ATM terminal, any branch location, online or through PNC’s Customer Care line (1-888-PNC-BANK).
Is there any risk in having two Personalization profiles?
No. The responses to the Personalization questions do not house any information where personal information could be compromised.
Why can only PNC account holders utilize the e-receipt option?
PNC does not record the e-mail addresses of customers who are not PNC account holders.
Why can't I change my e-mail address at the ATM?
For your security, PNC does not allow account holders to change their e-mail address at the ATM. This can easily be done at any branch location, through Online Banking or through PNC’s customer Care line- 1-888-PNC-BANK.
When can I change my profile?
Immediately. On the main menu screen there is an option to edit profiles. Following the screen options will enable you to make changes. You can also make changes through Online Banking.
Zero Liability Fraud protection does not apply to ATM transactions or PIN transactions not processed by Visa, and certain commercial card transactions. Notify PNC Bank immediately of any unauthorized use. For specific restrictions, limitations and other details regarding unauthorized use, see your account agreement.
PNC SmartAccess and SmartAccess are registered trademarks of The PNC Financial Services Group, Inc.
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