Most US banks are still hesitant to switch over fully to chips. They claim they are doing it, but I have yet to see or hear of one actually switching their systems over. Part of the issue is that most small shops don't support chips, and so the banks would have to issue chip & strip cards, and then a few years later chip-only cards. Even banks aimed at intn'l travelers (ie USAA) are hesitant to switch. My bank, USAA will only give you a Chip card if you prove that your are leaving for a country that (for the most part) only accepts chips.