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What is a PIN for a debit card?

Curious about debit card

What is a PIN for a debit card?

A Personal Identification Number (PIN) for a debit card is a confidential numeric code that serves as a security measure to authenticate the cardholder during ATM withdrawals and pointofsale (POS) transactions. Here's how it works:

1. ATM Withdrawals: When you use your debit card at an ATM to withdraw cash, you'll be prompted to enter your PIN. This PIN verifies that you are the authorized cardholder, and it allows the ATM to dispense the requested amount of cash.

2. PointofSale Transactions: When you use your debit card to make purchases at retail stores or for online transactions, you may be asked to enter your PIN to complete the transaction. In some cases, you may also be able to choose the "credit" option, which requires a signature instead of a PIN. However, this may vary depending on the merchant and the type of card.

It's crucial to keep your debit card PIN confidential and never share it with anyone. Memorize your PIN or keep it in a secure place separate from your card. If you suspect that someone else knows your PIN or if your card is lost or stolen, contact your bank immediately to have your card blocked or replaced to prevent unauthorized use.

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