Oh, and I certainly wouldn’t give it to my parents. Sad, isn’t it - no trust there.
No, just healthy boundaries. I wouldn’t share a bed with either of my parents, either.
True, but there really is no trust between me and my parents. Not much love, either.
My GF trusts me and I trust her - she keeps giving me her card and PIN to pull out some money - often enough it’s to pay me back for emergency trips to the supermarket, et cetera. That is, she keeps giving me her PIN and I keep forgetting it.
That is sad. There is both trust and love between me and my parents, but my and Mr. Neville’s finances are none of their business, just like what we do in bed is something I would never discuss with them.
I have a credit card with a relatively low limit that I give to close friends and teach them how to sign my name 
I’ve thought about how paranoid people get about this and realized “What’s the absolute worst that could happen?” and I just couldn’t come up with anything worse than “I could see them buying coffee with my card across to street, decide to join them and get hit by a bus on my way over.”
I don’t give my pin or check card but I would share it with my wife if I was married.
Hey, you know, it could be worse. At least we’re getting along these days, even if we act more like acquaintances than anything else.
And yes, parents and kids need to keep that kind of stuff separate. I agree.
We’ve had one checking account since we got married, which will be 13 years next month. I know his pin, and he has known mine, although I doubt that he remembers it.
He’s the one with a PayPal account, so if I need that sort of thing, I ask him the password, which I really should just write down in some safe, secret place.
My husband and I have a joint account, but separate cards with separate numbers. He knows mine, and I could know his if I had a knack for remembering numbers. I’ve seen it enough times that you’d think it would stick. Not that it matters; the money is coming and going into the exact same place. When I am legally allowed to work, it will continue going into the same account. We make all of our money decisions together, and I have free reign on the old credit cards for everyday purchases. Luckily for the husband, I’m not too bad with them. 
My parents, however? No friggin’ way. I trust them not to touch the money, but I don’t trust them not to “just peek to see how you’re doing”. Every purchase we make would be followed by a “was that necessary?” or “what in the world did you spend $299.99 on? My goodness, I hope it was worth it!” Argh. No way. No way.
We have separate accounts, mostly because we never got around to combining them. We consider the money our mutual money, and we kind of got into a system where certain things come out of each account and that works pretty well for us. I know his password and he would know mine if he remembered it – every time, he says he doesn’t know, and then when I tell him, he says “oh yeah, that sounds familiar.”
I did a lot of my dad’s banking stuff, and started signing his credit slips when I was about 13, when his vision started to go and he was … um, too annoyed to do anything about it. He’s one of those cranky (but endearing) guys who says things like “I don’t understand why they make the numbers SO SMALL, no one could be expected to see that!” Eventually he gave in and got the coke bottle glasses, but a few years ago he moved overseas for work and again I find myself doing a lot of his banking … you know, now that I type that all out, I’m wondering if maybe the real issue at hand is that he wants a personal accountant.
My best friend also knows all my info (a good thing, too, in case I ever get hit by a Mack truck and Mr. Del doesn’t remember) and can do my signature if needed.
One funny thing is that about a year ago, my brother and I realized we had been using the same PIN for years (without realizing the other was) because it’s a significant number from our childhood. Neither of us felt the need to change.
Does anyone worry that they break terms and conditions of banks by giving out their PIN ?
Are they going to kick me out of the bank or send the bank search and destroy police after me?
I couldn’t imagine not being able to give my PIN number to my spouse. I wouldn’t even consider that some people would say NO.
But maybe I’m a little more trusting than most. My mother not only has a couple check books of mine with presigned checks, but she also has a complete General Power of Attorney over me. This allows her to take care of anything that may come up when I’m deployed or otherwise overseas. She doesn’t have an ATM Card of mine or a PIN number, but she doesn’t need it with the checks.
She’s also lent me her card and PIN several times to pull money out for certain things.
I dont think anyone in my immediate family would balk at giving a card and PIN to each other.
As far as spouse goes. I just MAILED my Visa/Debit to my spouse in Korea and emailed her the PIN. This makes it easy for me to transfer funds to her while she’s over there playing. I dont have to wire money, I can just transfer funds locally.
Also, I dont know if this counts, but if any of my friends need to borrow money, I have no problem giving them my ATM card and telling them my PIN so they can go pull out the money they need. I just don’t feel like walking all the way down the hill to the ATM and back up just to pull out money that they want. They can go get it themselves as far as I’m concerned.
The worst that could happen is they pull out more than they said, and I find out about it later that day when I check my account. Then I would just have them arrested for stealing… no biggie. But it would never come to that. And they always think it necessary to bring me the receipt to show me that’s all they took. I never ask for that. Because if they wanted to take more, all they would have to do is do a second withdraw and throw away that receipt. But whatever. Like I said, I’ve never had any problems. If I couldn’t trust them with my PIN just to go run to the ATM and get some money, then I wouldn’t consider them friends to begin with!!
Short answer-yes.
If any fraud happened on your account the bank would not help you as you have broken the T’s and C’s of banking.
Forgive me for doubting but how do you imagine a bank just gives up on a person whose funds have been stolen simply because their spouse has access to the account using their pin?
I don’t presently have a spouse, nor an SO… but if I couldn’t trust one with my PIN… I wouldn’t be with that person.
My best friend knows my PIN and I know hers… no biggie.
Simple… I just wouldn’t tell them I broke their freakin’ T’s and C’s. My bank helped me one time when my card was stolen by a (now ex) friend. The person apparently had seen me take money out of the ATM and knew my PIN. This person took money out several times before my bank got the card turned off. I ate the loss on the one time he took money out before I reported the theft to the bank, the 2 times he took money out after I reported the theft, the bank ate the loss.
My partner and I (together 3 years now) have separate accounts but it’s not at all a trust issue. I know her PIN and she can have mine (she just never remembers it.) Part of the reasoning is that I’m very anal about recording all my transactions, balancing my checkbook and she’s a bit more lax about it. That would drive me batshit crazy if we shared a checking account. The mortgage and equity loan come out of my account and either one of us will pay the other bills and we just write each other checks to keep things balanced.
It may sound crazy but it’s working fine this way so no reason to do it differently right now. I’m planning on putting her on my money market account so we can save together but her work schedule is preventing that right now.
We never fight about money, by the way.
The bank would not be liable if you had given PIN number to anyone. Read the T’s and C’s of your banking if you do not believe me.
As another guy has said already, most people would just not admit it and they would be fine.