>Is the PIN on the card or is it at the bank where they assigned the
one you already had on the debit card to it?

When I went in to get my (pre-chip) card, there was some processing and 
encoding done on the card after I entered my (new) PIN.

I assume there is something on the card, because you could get up to $200 out 
of ABMs when they went offline to the host processor.
At least, at the bank I used to work at.

-
Too busy driving to stop for gas!

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