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In Finland you actually don't get to pick your own PIN. The bank sends one to you when you get a new card and that's that.


Most US banks are that way. Almost all, in fact. I thought it was a law until I joined a credit union which lets me change my PIN at their ATMs.


I don't have sufficient knowledge to say that you're wrong about this, but I DO know that the largest banks ALL allow you to change your PIN. Examples:

  * Bank of America
  * Chase
  * Citibank
  * Wells Fargo




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