or boyfriend/girlfriend , mother/father etc. I am interested to know if you have let your significant other use your card and PIN at an ATM.
What percentage of people do you think do this?
I wouldn’t have the slightest problem with handing my card to Hub and telling him the pin. What’s the issue? It’s all the same money and if he’s got his wallet he already has a card.
I wouldn’t dare give it to just a “boyfriend” unless we had a live-in situation where again, the money was pooled. I got burned many a time by theiving boyfriends. Sheesh, what’s a guy gonna do with a pair of size 8 Calvins? Also had Oakland World Series tix stolen, like 10, which would have brought A LOT of $$ in the scalping. If I hadn’ta stolen them myself…okay, this was while I was a practicing alkie. But true…
I’d give it to my parents/in-laws if I needed them to have it in order to do a favor for me…
We share one (well, two or however many) account and the same PIN. My father in law also deals with our banking when we are out of the country for extended periods. Everyone involved is very trustworthy and sane, though.
Well, yeah, it’s his money too. I never understand married couples who don’t pool funds, but that’s just me.
If you don’t trust your spouse enough to have a joint account then don’t give them your pin number either.
I’ve sent Mr. S to the store with my card. The PIN is a number that’s significant to both of us, so I can say “You know the number” and he does. No big whoop. Flesh of my flesh and all that.
(For the record, we’re married. Almost 16 years. And we’ve always had separate accounts, for various reason, but mostly because we just never bothered to pool them.)
I used to work in a bank and was surprised at the number of people who have separate husband/wife accounts. I always assumed everyone combined their money once they were married, thus sharing cards and pin numbers. I guess I can see advantages to both, but in my experiences it has been easier to not worry about what money was earned by who. When we tried to keep the money separate we always tried to make sure we were “even,” which was impossible, which led to tension. You know, I paid for dinner the last three times we went out, why haven’t you paid? It’s just so much easier to throw everything in the same pot, though we do have independent savings accounts that were opened before we were together.
My wife and I have shared the bank account and ATM cards since before we were married. In fact, I forgot my PIN number and cannot use my debit card anymore, but I remember hers, so if I need to take out cash, I have to use her card. (And yes I know I could have the PIN reset, but why bother when I have a card I can use.)
Sgt Schwartz
Yep. It’s our money.
We’ve got shared accounts, but they gave us individual cards with different account numbers and PINs. But I know his PIN and he probably knows mine.
On our other shared account, we only have 1 card with my name on it, but he knows the PIN. Not sure why there’s only one card, but there you are.
Absolutely he has access to the money, and vice versa.
Well, I’m feeling like the oddball here, but my wife and I have held separate accounts since we were married. I don’t use an ATM or debit card, so that’s not an issue, but I know her PIN, and she has no problem handing me the card to use.
We share a money market that we can both write checks on or access on-line though.
It’s not a trust issue with the separate accounts, it’s just easier for us to keep track of things that way.
Married for nearly 16 years and we’ve had separate checking accounts since the beginning. It’s not a matter of trust, it’s just easier to make sure the accounts run smoothly if there’s only one person fiddling around with them. We also have a joint account for cash surpluses such as tax refunds and bonuses. And we’ve exchanged ATM cards and PINs as the occasion arose.
Jinks me a coke, mbg! 
We share a pin on our grocery store check cashing cards and we have joint access to all our funds. I mean, what if someone gets hit by a bus? We need to be able to get to everything.
We have the same account, but we each have our own ATM/Debit card with its own PIN. I happen to know my husband’s PIN, because one time when I didn’t have my wallet with me I took his card to the ATM to get some cash for him, and his is easy to remember, because, although both our PINs are more or less random strings of numbers with no personal significance to us, weirdly, his turned out to be the same as mine but where mine is, like 1234, his is like 3412. Twilight Zone music
Yes and no.
We share two checking accounts. But my husband doesn’t even know how to write cheques, or so he says, and on top of that he never remembers the PINs. I am pretty much in charge of the family financial affairs.
We both have separate accounts that we had before we were married. It doesn’t bother any of us. He has some money, I have some. If need be we will use it for the “common good”, and we’ve done so. We keep those accounts because we have good relations with our banks and having an old account has its advantages.
I trust my husband. If I didn’t we wouldn’t be married.
Incidentally, I know my husband’s PIN # by heart because it’s a significant date. Mine is the assigned PIN # I was given for my very first ATM card nearly 20 years ago; I use it for all my bank accounts. So, it’s random and, I would guess, very hard for him to remember.
My mother’s agoraphobic. So I know her pin and the pin for her and dad’s account both, since I occasionally do shopping for her when she can’t force herself to and my dad can’t for some reason. No one knows mine, though. There’s no reason for anyone to.
We have a combined checking account and separate savings accounts. He’d have no problem giving me his PIN or vice versa but we each have our separate cards with separate numbers, so we don’t normally switch. Particularly since each of our cards only accesses our own savings account.
I would give Mr. Neville my ATM card and PIN, though I could only see that happening if he lost his (we both had accounts with the same bank before we were married, so we both kept our ATM cards and PINs when we went to a joint account). I don’t think I’d have given it to him before we were married or at the very least engaged, though, and I wouldn’t give it to anyone other than him.