This news story from CTV is a good lesson in banking safety: Ontario woman warns about choosing credit card PIN after RBC refuses to refund $8,772: https://toronto.ctvnews.ca/ontario-woman-warns-about-choosing-credit-card-pin-after-rbc-refuses-to-refund-8-772-1.5895738 Unfortunately Ms. Ego-Auirre chose an easy to remember PIN for her banking all those years ago, she chose her birthday. This made it