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Key Takeaways A personal identification number PIN is a numerical code issued with a payment card that is required to be entered to complete various financial transactions. Merchant transactions will involve the merchant, the merchant acquiring bank , the processing network, and the issuing bank. When choosing a PIN, it is recommended to choose one that will be difficult to guess but also easy for the account holder to remember. Open a New Bank Account. Short, basic PINs are advised against, such as using "" or numbers that would be easy to guess in instances of fraud ; common information, such as an account holder's birthday, marriage anniversary, or Social Security Number.
