Your PIN is printed on a separate document that came with your card, or you can set one yourself through your bank's website or app
When your credit card arrived, your bank sent your Personal Identification Number (PIN) in a separate piece of mail — usually a small card or letter that came a few days after the card itself. The PIN is a four-digit code you use at ATMs to withdraw cash and at some point-of-sale terminals to complete transactions. If you cannot find that original document, you can create a new PIN through your bank's online portal, mobile app, or by calling customer service.
The PIN is different from your card's security code (the three or four digits on the back). You need the PIN to access cash; the security code is for online and phone purchases. Many people set their own PIN because it is easier to remember a number you choose than one assigned to you.
Key Takeaways
- Your original PIN arrived in a separate mailing from your credit card, usually within a few days of receiving the card itself.
- You can create a new PIN through your bank's website, mobile app, or by calling the customer service number on the back of your card.
- The PIN is required to withdraw cash at ATMs and is different from your card's three or four-digit security code used for online purchases.
- If you forget your PIN, you can reset it when ready through your bank's digital channels without visiting a branch.
Check the paperwork that came with your card
When you received your credit card in the mail, your bank included several documents. Look for a small card or letter labeled "PIN" or "Personal Identification Number" — this usually arrived in a separate envelope a few days after the card itself. Banks do this for security: they do not print the PIN on the card or in the same mailing as the card.
Check your filing system, desk drawers, or anywhere you keep financial documents. The PIN document is typically small and straightforward to misplace. If you have moved or changed addresses since you opened the account, the original PIN letter may have been lost in the process.
Set a new PIN through your bank's website
Most banks let you create or change your PIN online without calling anyone. Log into your account on your bank's website, then look for a section labeled "Card Settings," "PIN Management," "Card Services," or "Security." The exact name varies by bank.
Once you find the PIN section, you will be asked to enter your card number and verify your identity — usually by answering security questions or confirming recent transactions. You can then choose a four-digit number you will remember. Avoid obvious choices like your birth year or sequential numbers (1234, 0000). Your new PIN takes effect when ready or within a few hours.
Use your bank's mobile app to reset your PIN
If your bank has a mobile app, you can often manage your PIN there. Open the app and look for "Card Settings," "Manage Card," or a similar option in the menu. The process is the same as the website: verify your identity and choose a new four-digit PIN.
This method is often faster than using a computer, and you can do it from anywhere. Your new PIN will be active the same day or within a few hours, depending on your bank.
Call your bank's customer service line to set a PIN
If you cannot access your account online or prefer to speak with someone, call the customer service number on the back of your credit card. Have your card and a form of ID ready. The representative will verify your identity by asking for your Social Security number, date of birth, or answers to security questions.
Once verified, tell the representative you need to set or reset your PIN. They will walk you through choosing a four-digit number. The PIN is usually active within minutes, though some banks take a few hours to process the change.
Visit a branch in person if you need when ready help
If you need your PIN right away and cannot wait for online or phone processing, go to any branch of your bank with your card and a government-issued ID. A teller can help you set a new PIN on the spot, and it will be active when ready.
This option is useful if you are about to travel or need cash urgently. You do not need an appointment — walk-in service is available during branch hours.
What to do if you forget your PIN at an ATM
If you are at an ATM and cannot remember your PIN, stop trying after three incorrect attempts. Most ATMs lock you out temporarily after three wrong entries to prevent fraud. You will need to reset your PIN through one of the methods above before you can use that ATM again.
Do not try to guess your PIN multiple times in a row. Instead, step away and use your bank's app or website to set a new PIN, then return to the ATM. This takes only a few minutes and is much faster than waiting for the temporary lock to expire.
Frequently Asked Questions
Is my PIN the same as my online banking password?
No. Your PIN is a four-digit code used only at ATMs and some in-person terminals. Your online banking password is separate and used to log into your account on the website or app. You can have different PINs for different cards, and you can change your PIN without changing your password.
Can I use my credit card without a PIN?
Yes. You can use your credit card to make purchases online, by phone, or in stores without entering a PIN. You only need a PIN if you want to withdraw cash at an ATM or if a merchant's terminal requires one. For regular purchases, you swipe, insert, or tap your card.
What if my bank will not let me set my own PIN?
Some banks assign a temporary PIN and require you to change it on your first use. If your bank does not allow you to choose your own PIN through the website or app, call customer service. They can walk you through the process or explain what PIN options are available for your card type.
How long does it take for a new PIN to work?
If you set your PIN online or through the app, it is usually active within minutes to a few hours. If you set it by phone or in person, it is typically active when ready. Check with your bank if you are unsure, especially if you plan to use the ATM right away.
Can someone else use my credit card if they know my PIN?
Yes, which is why you should never share your PIN with anyone, including bank employees or family members. Your PIN is as sensitive as your password. If you think someone knows your PIN, reset it when ready through your bank's website, app, or by calling customer service.