Added Security for Your PNC Bank Visa® Card

Chip Card Technology

PNC is rolling out new chip card technology that will help protect your card from unauthorized use.  We’re committed to safeguarding your PNC Bank Visa card.

Have questions?

See answers to common questions.


See how it works

See how easy it is to use your chip card and how it gives added security.

 


Dip the Chip or Swipe the Stripe?

As merchants continue to adopt the new chip-enabled terminals, you’ve probably encountered different payment experiences at the checkout. Some merchants have a chip-enabled terminal while others don’t. Even though some merchants may have a chip-enabled terminal, it may not be activated and ready to accept a chip. If you are not sure if the merchant is set-up to process a chip transaction, you can ask the merchant or simply swipe your card.

Dip the Chip or Swipe the Stripe?

Get big protection in a tiny chip

Whether you checkout using chip technology, or by swiping your card, you can pay with confidence worldwide.

  • When you use your new card at a chip-enabled terminal, the embedded chip generates a unique transaction code that is shared with the merchant. This makes it difficult to copy the card.
  • Your PNC Bank Visa Card provides the highest levels of protection with PNC security & privacy, 24-hour fraud monitoring and Zero Liability Fraud Protection.[1]
  • If your card or card number is ever lost or stolen, you will not be responsible for fraudulent charges on your account if you notify us promptly of any unauthorized use.[2]
It's easy to use your chip card

How to pay using a chip-enabled terminal

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 or enter your PIN if using a debit or SmartAccess® card.

 

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

FAQs

See How it Works

Get big protection in a tiny chip.

See how easy it is to use your chip card and how it gives added security to your PNC Visa debit, credit, and SmartAccess cards.


Important Information and Disclosures

  1. 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.

  2. Please refer to your account agreement for details. 

Visa is a registered trademark of Visa International Service Association and used under license.

PNC SmartAccess and SmartAccess are registered trademarks of The PNC Financial Services Group, Inc.

Bank deposit products and services provided by PNC Bank, National Association. Member FDIC