This is the real reason it has been delayed so long. I read an article a while back claiming that the cost to switch to EMV cards in the US was around $8 BILLION. Most of that cost is on the merchants, who have to replace their POS terminals.
October, 2015, is the "deadline". However, it's not an "ease", it's a "shove". Merchants are being told: "after that, you can accept a mag-stripe card if you want. But, you'll have to eat any fraud".
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Are your credit cards from Wells Fargo?
If so, I have some bad news: while there is a PIN in the chip, the signature requirement has "priority". The chip has some way to specify this to the terminal. So, it will require a signature if there's a way to capture it, and only fall back to a PIN if it's an unattended device.
This is supposed to work in things like unattended gas pumps in Europe. However, I can attest that it doesn't, at least not in Italy. We requested replacement Wells Fargo cards with EMV chips specifically for this purpose. In the end, I had to scrounge around for cash -- fortunately, we were mid-point in our trip and still had some Euros.
Maybe you have had better luck, or they will figure it out before widespread rollout in the US.
I don't know why US banks are sticking with the signature. I guess it's because they think consumers used to specifying a PIN for a debit card will get confused if it's required for a credit card.
This was true back then but now, all major stores have POS terminals that can read the chip (with only Walmart actually having them turned on right now).
It's now just a matter of software. All major POS software including IBM 4690, NCR, etc support it via optional add on "modules" to their systems, with Walmart using the 4690 add on, and I know it works well, as I take customers with chips daily.
Off topic, but I believe card readers in the US are much nicer than those in Europe, we have nice large color touch screens etc while Europe still has ancient looking terminals. Of course both types take chips just fine.