Your ATM access is secured through a private PIN number that you designate once you open your account. Your banking institution will advise you on selecting a PIN that’s relevant to you, but one that will be hard for others to guess what it may be. Selecting this PIN must be a careful process so that it’s easy for you to remember, but harder for someone else to figure out. Choosing number selections like 1-2-3-4 or 9-9-9-9 are strongly advised against since they’re easily guessed. Instead, it’s best to choose a combination of numbers that correspond to something that no one knows about. For instance, you can choose:
- a family member’s birth year, i.e., 1972 (your last child), 1935 (your dad’s).
- your car’s model year (1998).
- your house number, with a “0” at the beginning or the end (#113 Elm Street would be 0113 as the PIN).
- the first four digits in your driver’s license number. Notice that it’s the first numbers and not the last four numbers as a suggestion.
Remember that whatever number combination you choose should be hard to guess for someone else. Stay away from the obvious PIN number selections that would make it easy for someone to hack. This includes:
- the last four digits of your social security number.
- the last four numbers in your home phone number or your cell number.
- your birth year (choosing another family member is better).
Once a person has access to your ATM PIN number, they can use it to access your financial account, whether they have the card or not. They can use that number to make online transactions and some offline transactions as well. Therefore it’s always advisable to protect your card and card number at all times. Here are some tips on how to protect your PIN at all times:
- Do Not Write It Down
Be sure that you do not write your PIN number on your ATM card. This is a just an open invitation to someone to take all of your money! Although it may seem that this will make it convenient for you to remember the number, it’s a bad idea in any case because it’s completely unsecure. Do not write the PIN number anywhere on the card, front or back. Also, don’t write the number on a piece of paper and attach it to the card, which is just as bad. Commit the number to memory, period.
- Cover It Up
Protect your PIN number anytime and anywhere where you’re using it. This means when you’re making a purchase and you’re swiping your card, or when you’re making a withdrawal at an ATM machine. Cover up your hand as you press in your PIN number on the keypad machine. Block the other person(s) view with your body while you’re keying in your PIN number. Use the end cap of a pencil or an ink pen to key in the numbers while you’re using a machine. Be creative while you’re being protective. Make it absolutely the hardest thing possible for anyone to decipher what numbers you’re keying in when you’re using your ATM card.
- Stay Organized
Right after you’ve finished using your ATM card, put it right back into the place in your wallet or purse where you normally keep it. Consistency is the best way to guard against accidents or even theft while you’re using your ATM card. If you simply throw the card down into your purse as you rush away from the machine, you’re more likely to lose it or forget where you’ve put it. By staying organized and consistent, you’re more likely to guard against card theft or accidental losses. Keep your card in the same, consistent place at all times. Being consistent will give you peace of mind because you’ll know exactly where everything is at all times.
Your PIN number should be regarded as a very personal, private and really important piece of information. Always keep it safe, keep it private, don’t ever share it and make it hard for anyone else to decipher.