BTW, it's mentioned in the main EMV thread but there's a map of places in the US that have working EMV terminals (as in you'll need to use the slot if you have a chip card) at http://emvacceptedhere.com/ if you need one to activate your Arrival+ with.

I know BoA has online PIN at a lower priority than signature but they've never marketed that functionality as existing. (I think it's similar with other banks that claim "chip and signature".) The US banks and credit unions that claim they offer PIN do tend to be offline PIN, at least.