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 merchant. This makes the card difficult to copy.

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]

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

The specific phone number for your card is also located on the back of your card.

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.

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.

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).