Most banks today allow people to do most of their banking online or with the help ATM’s. However, security is still an issue. After all, it is important that the cardholder or person accessing the account is really who they say they are.

A PIN (personal identification number) is the number people punch in to verify their accounts. This number can be predetermined by a banking group, or it could be selected by the individual. Most banks recommend that the numbers be random and not something like a birthday or anniversary date so that the PIN can not be guessed.

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