Re: OT: Banc of America Article

[David Charlap]

Al Rowland wrote:
> The PIN is on your card ...
Not for any card I've ever owned.  I've changed my PIN several times 
over the years, and the bank has never re-encoded my card or sent me a 
new card as a result of doing so.

Maybe some banks do store the PIN on the card, but I'm certain that it's 
in the server for ever bank I've used.

> I use a not-my-bank ATM in the lobby at work and it doesn't
> initiate the call (you can hear the modem dial) until you're beyond the
> PIN screen and are actually requesting a transaction.
I'm not surprised.  But the PIN is verified as a part of the transaction.

I've occasionally mistyped my PIN.  The ATM takes the mistake and goes 
straight to the menu.  It's only after requesting a transaction that it 
comes back with the "invalid PIN" message.

-- David