See answers to common questions.
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.
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.
Whether you checkout using chip technology, or by swiping your card, you can pay with confidence worldwide.
When using your card at a chip-enabled 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. Don't forget to take your card when you are done.
By April 2016, we anticipate that all PNC Bank ATMs will be equipped to take chip-enabled cards. Until the terminal is chip-enabled, please use your card as you do today. Follow instructions on the ATM screen to complete your transaction.
What is chip technology?
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.
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 SmartAccess cards come with Zero Liability Fraud Protection.
Will I receive a new chip enabled card?
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.
Is my account number changing?
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.
Do I need to activate my new card?
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.
What should I do with my old card?
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.
Who should I call if I still have questions?
Please call the number on the back of your card.
Can I activate my chip enabled PNC Debit Card internationally?
Yes. Customers can call the phone number located on their card or complete a PIN transaction to activate the card, just as they would in the United States.
Can I use my chip enabled PNC Debit Card to receive cash back at the point of sale?
Yes, if the merchant allows, you can request cash back at the merchant's terminal when you use your PIN to complete your transaction.
Will new cards be sent to me for the authorized user(s) on my credit card account?
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.
Will my PNC business credit card also be reissued with chip-enabled technology?
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.
Will all of the cards associated with my PNC business credit card account be issued at the same time?
Most business credit card accounts will have all cards issued at the same time.
Once I activate my new card, will I be able to access my funds immediately?
Yes. You will have immediate access to your funds.
Should I swipe my card or insert it into the terminal?
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.
Where can I use my chip 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.
Can I use my chip card at ATMs?
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.
How do I use my chip card to complete a transaction?
The transaction process is simple.
Do I need a chip card for making purchases and ATM withdrawals overseas?
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.
Do I need a PIN to make purchases?
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.
What is Chip & Signature vs. Chip & PIN?
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.
Why did the terminal say "canceled" when trying to perform a chip purchase?
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.
I requested "debit" at a chip merchant, but why wasn't I prompted to enter my PIN or given the option of cash back?
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.
What do I select if given the choice of "VISA DEBIT" or "US DEBIT" at a chip enabled ATM?
Either option can be selected. Follow the remaining screen prompts to complete your withdrawal.
How do I use my new chip card overseas?
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.
If I have set up recurring transactions with merchants/billers, do I need to provide them with my new card information?
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.
What will happen to my online and mobile transaction history?
Your online and mobile transaction history will remain intact.
I have alerts set up on my exisiting card. What will happen when I get my new card?
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.
I have enrolled my account in Visa Checkout and/or a mobile wallet (e.g. ApplePay), do I need to do anything else when my chip card arrives?
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.
I have PayWave on my existing debit card. Will my new debit card have PayWave?
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.
I have text and/or email alerts set up on my SmartAccess card. What will happen when I get my new 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.
If I have direct deposit(s) to my existing SmartAccess card, will I need to do anything with respect to these deposits when I receive my new card?
No. Any existing direct deposit(s) to your existing card will be made to your new card, once it is activated.
If my business uses Account View, do I need to re-enroll my new business credit card(s) in Account View?
No, since the 16-digit card numbers are not changing, you will not need to re-enroll your new card(s).
We are in the process of upgrading our PNC ATMs. The upgrades will result in an enhanced interface and improved customer experience. To learn more visit pnc.com/atminfo.
If you are a business with a PNC Merchant Services account for card payment acceptance, you may have heard already that the worldwide move to more secure chip cards will have an impact on your payment processing later this year.
Starting in October 2015, financial liability for card-present counterfeit card losses will shift from the card-issuing banks to merchants if merchants receive chip-enabled cards but have not yet installed chip card capable terminals. This liability shift will apply to all merchants, regardless of size. As a card processor, your business will need to ensure your point-of-sale (POS) system is capable of accepting chip cards due to this fraud liability shift. Now is the perfect time to review your processing needs, and upgrade to a chip card capable system.
Please call PNC Merchant Services customer service at 800-742-5030 if you have any questions about how to upgrade your POS system to be chip card capable.
To learn more how chip (or EMV-enabled) cards can protect both your business and your customers, read these articles:
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.
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.
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