FRB Federal Credit Union Security Brief

Reverse PINs Do Not Work

The FRB Federal Credit Union has recently learned that an e-mail/Internet rumor has resurfaced regarding entering a PIN in reverse to alert police of a robbery. We would like to dispel this myth; entering a PIN in reverse will not alert the police.

Although the technology exists to allow ATM users to contact police by reversing their PIN, this technology has not been implemented anywhere in the United States, nor has it been mandated by legislation. In fact, when a PIN is entered in reverse, the transaction will typically result in a denial due to an invalid PIN.

Opposition to the reverse-PIN system stems from safety concerns for ATM users. While attempting to enter a reversed PIN under duress, an individual could hesitate, which could potentially increase the possibility of violence.

Financial industry experts recommend that banks and credit unions take steps to protect ATM users; however, they do not believe the reverse-PIN system is the best and safest solution. Instead, they recommend that customers exercise caution and be aware of their surroundings when using ATMs.