[hwatson]

I wasn't aware of Wells Fargo issuing Chip and PIN cards[0] and I appreciate you pointing that out!

The other USA banks that I've looked at (Bank of America[1], for example) issue signature-only cards. These not working in unattended kiosks is mentioned in the last paragraph of the Wikipedia section we're both referring to.

The main problem with Chip and PIN cards in the USA is PIN management. Since EMV was developed before every ATM was online, the card needs to be aware of its PIN. Not many USA ATMs support reading EMV cards, which makes changing the PIN on the card difficult.

This is why Wells Fargo[0] don't allow you to change your card's PIN and is why many USA banks simply chose to skip PINs altogether. The last sentence of the Wikipedia section we're referring to mentions this.

[0]: https://www.wellsfargo.com/credit-cards/features/chip-card/f... [1]: https://www.bankofamerica.com/privacy/faq/emv-chip-card-faq.... under "Using chip credit cards" see "Bank of America doesn't currently offer consumer credit cards that include PIN authorization for purchases." Debit cards can be PIN authorised when running them over the online interbank networks, which makes offline PIN management irrelevant.