Added Security for Your PNC Bank Visa® Card

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 SmartAccess cards come with Zero Liability Fraud Protection.^[1]

Starting in May 2015, PNC will begin issuing chip enabled personal credit cards; reissuance of all other PNC Visa and/or Banking cards will begin a few months later. Most customers will receive a chip card when the current card expires, so it is likely that you will receive a new card for each of your PNC accounts at different times. Please continue to use your current cards with confidence, knowing that they come with 24-hour fraud monitoring and, as always, your PNC Visa debit, credit and SmartAccess cards come with Zero Liability Fraud Protection.^[1]

No. Your new card will have the same 16-digit card number as your current card. However, your new card will have a new expiration date and 3-digit security code.

In some cases, there may be special circumstances in which a new card number will be issued for some debit card customers.

Yes. Once you receive your new card, activate it immediately by following the instructions included with it. As soon as you activate your new card, your old card will be deactivated.

As soon as you activate your new card, your old card will be deactivated. Please destroy your old card once the new one is activated.

Please call the number on the back of your card.

Yes, if the merchant allows, you can request cash back at the merchant's terminal when you use your PIN to complete your transaction.  

Yes. If you have authorized users on your credit card account, new cards will be sent to you for them. Please be sure to provide the new card(s) to them when you activate your card.

Yes. PNC business credit cards will begin reissuing cards during the second half of 2015, and will not arrive at the same time as your personal credit card.

Most business credit card accounts will have all cards issued at the same time.

Yes. You will have immediate access to your funds.

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.

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.

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.

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 SmartAccess 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 SmartAccess 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.

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

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.

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.

PNC is an early adopter of chip technology, which means that from time to time, you may encounter merchants or terminals that aren't fully enabled to accept a chip card. Rest assured that you can use the magnetic stripe on your card to perform your purchase until all merchants and terminals are chip enabled.

PNC is an early adopter of chip technology, which means that from time to time, 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.

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

You use your new card overseas the same way as you do here in the United States. When using a PNC Credit Card, after inserting your card into the chip enabled terminal, you will be prompted to sign for the purchase. A PIN will not be required for your PNC credit card purchases. With a PNC Debit or SmartAccess card, after inserting your card in the chip enabled terminal, you will be prompted to either enter your PIN or sign for the purchase. After the transaction is complete, remember to take your card.

Yes. Once you activate your new card, be sure to contact all merchants/billers and provide them with your new card information. For example, if you instructed your wireless provider to automatically charge your card each month for your wireless bill, you will need to contact your wireless provider and update your card information.

Your online and mobile transaction history will remain intact.

You will not need to re-establish alerts for your new card.

However, if you are a debit cardholder who receives a new card number, you will need to re-establish alerts for your new card.

No, there is nothing that you will need to do. Your new card will continue to work with Visa Checkout and your mobile wallet as it did with your old card.

As PNC moves to the new chip card technology, we will be discontinuing the PayWave feature on our debit cards. This decision, in part, is based on our commitment to providing our cardholders with the most secure electronic payment environment available.

Because the expiration date and the 3-digit security code on the back of the card are changing, you will need to remove your existing card and add your new card via the PNC SmartAccess Mobile App. No updates are necessary for text and/or email alerts established via the cardholder website.

No. Any existing direct deposit(s) to your existing card will be made to your new card, once it is activated.

No, since the 16-digit card numbers are not changing, you will not need to re-enroll your new card(s).