[JamesBlair]

Which bank are you with? One of the few things that annoyed me about NBNZ was the utter lack of security with setting the pin and online banking password.

[sitharus]

NBNZ, but given that I haven't set a PIN for at least 10 years they may have changed the process. Same for online banking.

When I last did it the PIN was a secure keypad, and online banking required them to send a letter and then authenticate in branch.

Photo ID was required for both steps.

[JamesBlair]

Ah, that's unfortunate.