(Closed) Don't share your banking PINs with your SO!

posted 4 years ago in Money
Post # 2
327 posts
Helper bee
  • Wedding: December 2013

AB Bride:  I work for a financial institution – not sharing your pin is on the form you have to sign when you get the debit card. the bank can also refuse to repay any losses of legit fraud if your pin is a birthdate, sin #, phone number etc as that is typically specified in that form to not use as well. The more you know! 

Post # 4
7679 posts
Bumble Beekeeper
  • Wedding: November 1999

Whether or she shared her PIN with her bf, fraud has still taken place. The bank must have some clever lawyers. It might be legal but it doesn’t seem ethical.

I don’t know DH’s pin, but not because of secrecy (I was there when he opened the letter), but simply because I have too many PINs/passwords to remember already!

Post # 6
4035 posts
Honey bee

AB Bride:  But what if you decide to share an account with an individual? Sure, they might have a different pin number for their card, but the fact is the same thing could have happened. I think the bigger lesson is to be more careful about who you share your financial information with in general. It sounds like he wasn’t a very trustworthy person.

Darling Husband knows my PIN because at one point I was bedridden (due to an injury) and needed money, so he withdrew the money for me. I had/have zero concern about him stealing from me or handing out the number, especially because we share the account know. So he would be stealing from himself.

Post # 7
4656 posts
Honey bee
  • Wedding: August 2013

Ah, I don’t think this is gonna stop me and my husband sharing PINs haha.. we’re too lazy…

Post # 8
354 posts
Helper bee

Bebealways:  and I’m too lazy to remember his. My Fiance told me I should remember it by now. My brain can’t handle anything more than 3 digits…

Post # 10
3076 posts
Sugar bee
  • Wedding: April 2013 - A court...

If she hadn’t revealed that she shared her pin would they have found out? I share my account with my husband but haven’t gotten around to making an account of my own yet :s

Post # 11
2633 posts
Sugar bee
  • Wedding: September 2012 - Southern California

How would they know if you shared your PIN or not?

Post # 13
2890 posts
Sugar bee

He knows mine, and he told me his but I can’t remember it. I think it could be practical in case something happens to me. I’d prefer my SO to have access to my account, especially because right now, I’m the main income and I’d like him to still be able to pay the bills, should I get injured or something. 

Post # 14
331 posts
Helper bee
  • Wedding: February 2014

We have a shared account with different pins and for our individual one we dont share our pins but if something was to happen to the other we are set up to access the account with an emergency pin at the counter to gain access.

Post # 15
11696 posts
Sugar Beekeeper
  • Wedding: May 2014

AB Bride:  used to work for a Canadian bank.  If your pin is something easy (like the last 4 numbers on your card, birthday etc) they can decline to reimburse you (doesn’t happen often) if you TELL the rep that you gave your pin to anyone (and they will ask you when you call to report fraud) then you’re SOL.  As soon as you tell them you’ve disclosed your PIN you’re outta luck. 

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