So, the CVM list is the order of the methods by which the card will try to verify the cardholder.
Hmmm - based on the EMV CVM database, I think my Bank of America Travel Rewards VISA will indeed work with a PIN, and not just for cash advances. I did get prompted in a kiosk once, and I may try it again using my cash advance PIN.
1: Signature (paper)
2: No CVM required
3: Enciphered PIN verified online
Conversely, the Chase cards have nothing to do with any PIN:
1: Signature (paper)
2: No CVM required
The Andrews credit card CVM list is exactly the same as the PenFed cards
1: Signature (paper)
2: No CVM required
3: Plaintext PIN verified by ICC
The Barclaycard Arrival and Arrival Plus Mastercards have the longest CVM list.
1: Signature (paper)
2: Enciphered PIN verified online
3: Enciphered PIN verified by ICC
4: Plaintext PIN verified by ICC
5: No CVM required
So this one tries to verify the PIN online before going offline.
USAA has exactly the same list for their VISA cards:
1: Signature (paper)
2: Enciphered PIN verified online
3: Enciphered PIN verified by ICC
4: Plaintext PIN verified by ICC
5: No CVM required
The Fidelity VISA Gold Check Debit Card issued by PNC bank:
1: Signature (paper)
2: Enciphered PIN verified online
3: No CVM required
This is interesting, because for me that card defaulted to "No CVM required" at all the French SNCF ticket kiosks I used around France, but I did get prompted for my PIN at the Schiphol (Amsterdam Airport) NS train/metro ticket machine.
The Charles Schwab Bank VISA Platinum Debit Card
1: Signature (paper)
2: Enciphered PIN verified online
3: No CVM required
So - this uses exactly the same list order as the Fidelity Debit VISA
This are all from looking up various card issuers in the EMV CVM database site:
http://www.spotterswiki.com/emv/index.php