Post # 1
Just curious. With my bank (and I think most in Canada) sharing your PIN and/or password makes you responsible if there is fraudulant activity (whether or not it is related) so we do not even though our main chequing and credit card accounts are joint.
Post # 3
I haven’t, but I have never needed to. I dont’ know his, but like I said, I have no reason to. But yes, I would if for some reason he needed it.
Post # 4
I had never heard that. But I do know his PIN and banking passwords. All of our accounts are joint anyway, so I guess I never realized it mattered.
Post # 5
- Wedding: June 2017 - Vegas Wedings
Never needed to as when he uses my bank card I just tell him to use it as a credit card (has the Visa logo) and he’s never needed to have access to my bank account.
Post # 6
I do not know his PIN or online banking password (vice versa).
We even have the same checking account! But then individual credit cards.
However, I linked his account to Mint.com so I can see all this transactions anyway.
Post # 7
I’ve never needed to give him my pin. NOt that I can remember. Our accounts are seperate. If he needed my pin for something i would give it to him. But like our accounts being seperate so I still have my feelings of independence lol
Post # 8
He knows mine. I should know his but I can never remember it.
Post # 9
@sienna76: That’s something else you can’t do here, if you’re concerned about fraud protection (many do it anyway). Giving Mint your banking info is a violation of the banking TOS. The only way to do it safely is manually entering the info.
Post # 10
He knows my PIN. Mainly because a lot of times he deposits money in my bank account, and it’s easier to do it through the ATM. Or sometimes he’s closer to the credit card swipe machine at the store than I am and he’ll put it in. My debit card is in my wallet 95% of the time (unless he has it), so it’s not like it’s laying around and he can just go to town with it (not that he ever would). My SO is probably the last person on the planet without a debit card, so I don’t have his PIN.
Post # 11
he knows my PIN, SSN number and most other things.. largely because I have the memory of a goldfish and am often get in emergency situations that he needs to rescue me from!
Post # 12
@AB Bride: That’s interesting, so Canadians cannot do Mint.com by law? Or they advise not to and peple still do (aka Mint doesn’t actually block you from it in Canada?)?
Post # 13
I’ve given him my PIN before (like, if we go through a drive up ATM and he’s driving), but he can’t even remember his own, so it doesn’t really matter.
Post # 14
No, but they’re linked and I’d have no issues with telling him.
Post # 15
He insisted I learn his in case of an emergency and he’s away.
He knows mine because I hand him my card to check my balance when we drive up to atm’s. lol
Now we also have a joint account. =]
He has my social security card, my birth certificate and my passport too because I LOSE EVERYTHING. lol Since I’ve met him I’ve had to get new ones. hahah
I am constantly losing my debit card and license and he always has to find them for me.
Post # 16
@sienna76: You can’t give them your banking password and be protected by your bank in the case of fraud. It isn’t Canadian law (although you could say it’s a lack of law protecting us), it’s just the bank’s TOS. Giving your password to any 3rd party usually violates the bank’s TOS, so the bank would no longer be responsible for returning all your money if there were fraudulant charges. Legally, you could still file the crime with police though, but the probability of getting your money back is slim.
Of course, your bank would have to figure out that you provided Mint your password first! I don’t know if this is true of every bank, but it’s true for our 5 major banks.
Mint doesn’t actually warn people of this. It states which banks their site works with, and many people assume that this means their bank is actually ok with it, even though they aren’t!