For after-hours assistance, please call (800) 383-8000. Chip Cards are more secure and help prevent fraud. Shazam will mandate its partner financial institutions and their merchant processors to accept these transactions regardless of the availability to cardholders, according to Dan Kramer, Shazam senior vice president of marketing and merchant services. If you are still unable to remember and/or find your PIN, a replacement can be ordered. Never give the secret number to Found inside – Page 351I pictured the glove display up front , easy to see , fast . ... like she'd been agonizing over this gift for months , on pins and needles till she knew I ... Found inside – Page 20Compressing the spring in your drill press allows you to have both hands free to easily remove the thrust ring pin . Like many , after rare success ... Apple Pay, Google Pay and Samsung Pay are digital wallets that allow you to pay for purchases using your phone, smart watch, tablet and computer within an app on your device. Then call the toll-free number (855-327-9746) and use the voice response system to create the PIN of your choice using the reference number. 918-678-2204. 0000041185 00000 n After business hours, call SHAZAM's 24-hour hotline at 800-383-8000. Your purchases are automatically deducted from your HNB Bank checking account and will be detailed on your monthly statement. Look for these symbols at stores that accept digital wallet payments. Lesson 2: dangers of social media scams. 0000003781 00000 n Hranicky, currently the head of middle-market banking, replaces Perry Pelos, who is transitioning to an advisory role and will retire next year. “The incentive for the retailer is that there is an adjusted interchange rate that is assessed on this type of transaction,” Kramer says. To report a lost or stolen Debit Card, contact the bank during normal business hours at (606) 593-5151 or contact Shazam at (800) 383-8000. �����c���30�2�X1:2e\���������A�����5��?�]OW��y�����yT1�Tc`����AΟ�! 3. 0000006008 00000 n Adaptive Payments has introduced what it calls a five-factor authentication process that uses cardholder information and transaction data combined with the PIN consumers are accustomed to using at the point of sale or ATM. Pre-owned Pre-owned. 4 37 0000003317 00000 n 3. During the Level Up Rewards promotion, when you use your POECU debit card, shopping and checkout is fast and easy. At retailers that accept MasterCard, you can use your debit card like a check; the amount of your purchase will deduct from your . It allows you to set up fraud transaction alerting, monitor your account balance, place a temporary block on your card, locate the nearest ATM and send money person-to-person (p2p) from your smartphone! 4. 0000158356 00000 n In the end, it would be up to Adaptive, Shazam and others to raise consumers’ comfort levels in entering their PIN in an environment outside the traditional brick-and-mortar setting, Kramer says. That system prompts consumers to enter their PIN on a virtual pad on the computer screen. Members of Alliant Credit Union are also part owners. Found insideNote: The cover material for this book is meant to mimic the texture and tactile quality of tinfoil and is intentional. 4 0 obj <> endobj xref The vibrant round quilts highlighted in this book are not as difficult to create as they look! Colleen Granger provides a fast and easy power piecing method that will have quilters working confidently in no time. This will deactivate the card. Farmers State Bank (including its Directors, employees or its affiliates) is not responsible or liable for the content, information or security; the failure of any products or services advertised or promoted on this linked site and any issues that may arise out of the site’s privacy policy. Limited edition unnumbered. It is a quick, easy, safe way to use your Debit Card without actually getting your card out of your wallet! It should come as no surprise that companies are taking the brick-and-mortar POS model and bringing it to the Internet environment, he add. They are wanting to verify that you are using the card and it has not been stolen. I do combine shipping upon request for multiple purchases prior to payment. Activate your debit card and/or select your PIN with one easy phone call! Pre-owned. SHAZAM BOLT$ is an app for your smart phone that was created by our card processor SHAZAM. Asteroids™. All debit card inquiries during normal business hours can be directed to us at 641-472-6944 or 888-283-2265. h�b``Pb``�````�À 0000092102 00000 n You can use your instant issue debit card at any automated teller machine using your personal identification number (PIN). No participating merchants have been announced, but Kramer expects about 80% of Des Moines, Iowa-based Shazam’s 1,500 financial institutions to make their cards eligible for the service. They'll take all of your information and switch your service to your selected plan. TS Bank debit card holders can set up alerts to quickly identify potentially fraudulent transactions using Shazam Brella®. 0000040909 00000 n With just an email address or U.S. mobile phone number, you can send money to people you trust, regardless of where they bank. Instagram Stories are easy to make, but they can require a lot of thought if you want to make them truly entertaining.Thankfully, Instagram offers a number of tools to help make your stories as fun as possible. While each bank has its own procedures that govern how you can obtain a new PIN, most banks allow you to change your debit card PIN in at least four different ways. Complete the following steps: - Enter your KSB debit card account number (PAN) - Enter the month and year the card expires - Enter a phone number for call back (You will receive an automated call requesting you to enter . Acculynk repeatedly has stated PaySecure is safe. Accept product terms and conditions, and proceed with the card verification process. With just an email address or U.S. mobile phone number, you can send money to people you trust, regardless of where they bank**. The cardholder calls the Easy PIN IVR line to complete their personal PIN selection using the last four digits of their PAN and the reference number. Activate Your Card & Choose Your PIN. Feel secure and comfortable knowing your credit card is local and people you know are here to help. Showing Slide 1 of 2. “We know that we can hack any browser session using readily available tools.”. 0000019538 00000 n SHAZAM BRELLA Privileged Status ATMs are easy to find using SHAZAM's Privileged Status ATM locator. You will need to have your debit card during the phone call. Close this window to return to the Notice from Farmers State Bank web site. Found inside – Page 3008... 583014 MR G MR GEORGE INC AL 4018 Bernhardt Dr Mobile Al 36605 545790 MR ... BAYER MTCCOR INC DE 4407 Verona Dr Wilmington De 19808 608271 EASY OR NOT ... PIN BUTTON BADGE BRAND NEW RARE. Download the BRELLA Debit Card app today-it is a great tool to help you manage your debit card! Spinning out of the events of Batman/Superman and “Year of the Villain,” it’s the tale of a hero whose soul has been turned black, and who has something to prove to the old guard. Need to reset your pin number - Call Shazam 1-800-717-4923 an automated system will walk you through resetting your pin Report a Lost or Stolen Card If your card is lost or stolen, call Bank of Deerfield at 608-764-5411 or call SHAZAM at 1-800-383-8000. 2. After hours, call Shazam at 800-383-8000. 2 EAST BROADWAY. Change PIN: 1-855-327-9746. . Up for sale is a. Vintage 1944 Captain Marvel Club " SHAZAM " collector pin by Fawcett Publications. Found inside – Page 91Consumers also incorrectly believe that PIN transactions are always more ... out a brochure at our new accounts desks that talks about how easy it is to do ... 0000021638 00000 n Choose a PIN number that is not easy to guess. PO Box 150. Establishing a Personal Identification Number (PIN) for your new debit card is easy. You can also change the PIN on your debit . 0000001036 00000 n The PIN-debit brands “have not been the beneficiaries of online growth,” he adds. Applications for the Pilot Grove Savings Bank SHAZAM®Chek VISA Debit Card are available at any Pilot Grove Savings Bank location. Debit card customers should use Shazam Bolt$ app to verify transactions. SHAZAM EASY PIN (1-855-327-9746) Want to change your PIN? Accept the product terms and conditions. Found insideThese new adventures combined the cartoony art of C.C. Beck, the original artist from the best-selling comics of the 1940s, with the modern, tongue-in-cheek sensibility of writers including Dennis OÕNeil as the entire Marvel family reunite ... A fast, safe and easy way to send money directly between almost any bank accounts in the U.S., typically within minutes*. The PIN pad scrambles the numbers as a safety precaution each time the consumer enters a digit. If anyone posing as a law enforcement officer ever asks you to do any of these things, notify the police and your redit Union immediately. Lost in the desert with no memory of the past few years, teenager Jaime Reyes must find his way home again-but when he reaches his town, heÕs shocked to find it abandoned and in the hands of government officialsÉofficials who are very ... Shazam also supports PaySecure. We have great employees who will professionally take care of all your banking needs. Pick Your PIN. The Batman Who Laughs’ plot is bigger than either the Caped Crusader or the Man of Steel realized. The Bank of Tioga debit card holders can set up alerts to quickly identify potentially fraudulent transactions using Shazam Brella®. IMPORTANT NOTE: You must call from one of the phone numbers First Independant Bank has on file for you. Use ATM machines that are in secure locations. FSB DEBIT CARD After placing an order and paying with Bitcoin, you will see the QR code of the Bitcoin wallet address. Reference number plus PAN In this scenario, your institution assigns a reference number to your cardholder's account. Calls are accepted 24 hours a day. Contact Shazam 1-800-383-8000, If you need to respond to a voicemail left by our Shazam fraud center regarding a debit card transaction, call 855-219-5399, Use your Shazam Brella app to temporarily deactivate your card, or Contact Woodford State Bank directly during regular business hours for assistance. Person-to-person (P2P) money transfers are also available for SHAZAM BOLT$ cardholders. Important Notice from Farmers State Bank The PIN Mailer will contain your randomly selected PIN (Personal Identification Number) for your card. Found inside – Page 1With entries from both Freddy and Shazam, the guide provides you with step-by-step instructions, from flight tests to high-tech suits. This imaginative guide is sure to be a hit with fans of the hilarious DC character. The Edwardsville, Illinois, credit union has agreed to merge with South Division Credit Union in Illinois. Zelle® is a fast, safe and easy way to send money directly between almost any bank accounts in the U.S., typically within minutes. You can request a new EZ PIN number by contacting any of our four facilities. Merchants integrate the E-commerce Checkout system into their checkout software. Paul Tomasofsky, president and executive director of the Secure Remote Payment Council, believes Internet PIN-debit products will thrive if consumers and merchants believe them to be safe, they are easy to use and merchants find them simple to implement. 0000110960 00000 n There are over 3,000 locations nationwide in over 20 states that participate! Lost Debit Card. Please call the bank during regular business hours to request a reference number to change your PIN number. Your debit card also acts as an ATM withdrawal card for your checking or savings account. 0000016616 00000 n Please call the bank during regular business hours to request a reference number to change your PIN number. NOTICE….Please note that this link will take you away from Farmers State Bank web site and this link does not represent Bank sponsorship, endorsement or guarantee of information contained on the linked site. But the advent of quantitative easing and a blurring of the lines between monetary and fiscal policy might make that independence harder to maintain. DIGITAL WALLETS – LEAVE YOUR WALLET AT HOME Shazam will mandate its partner financial institutions and their merchant processors to accept these transactions regardless of the availability to cardholders, according to Dan Kramer . 4. Expand all Collapse all. For reprint and licensing requests for this article. With rates typically lower than credit cards, accepting US Common Debit reduces your payment fees and gives your customers more options to pay the way the want. By pressing Continue, you will be proceeding to a site that is NOT FDIC-insured. 0000117707 00000 n However, an increasing number of scammers are out there right now targeting unsuspecting students. Finally, create Join researcher Kerry Gross for insight into why some brands lead and others lag in delivering a humanized customer experience. Shazam Easy Pin . Open the payment link in the e-mail,Scan the QR Code/barcode at the ATM. "The Marketing Services at SHAZAM are excellent. 0000117670 00000 n The Shazam privileged status network provides you with surcharge free transactions at any ATM bearing their logo. 1. Shazam is a fuller solution, with off-line tagging, local tune suggestions, and the enjoyable . Start designing today! What: "Shazam!". 0000092369 00000 n After their terrifying adventure through the Darklands, Billy and the rest of the Shazam family find themselves going over the rainbow and through the looking glass into the upside-down, topsy-turvy world of the Wozenderlands! CUSB offers digital wallet so customers can use their debit card to make purchases on their phone. Shazam Brella. The Windows Phone Evernote app lets you pin a particular note right to the phone's start screen. Adaptive also will use the same technology for bill-payment and funds-transfer services that have yet to be announced. Download our Mobile App and Shazam Brella App: Union State Bank's mobile app gives you instant access to all of your transactions in real time, making it easy to detect fraud sooner. Here is the bestselling guide that created a new game plan for marketing in high-tech industries. Crossing the Chasm has become the bible for bringing cutting-edge products to progressively larger markets. The MasterMoney™ Card from HNB Bank is the fast and easy way to make your everyday purchases. Choosing your ATM or Debit Card PIN has never been easier! The company expects to announce two more networks by the end of October. Shazam is a fuller solution, with off-line tagging, local tune suggestions, and the enjoyable . your PIN. SHAZAM® Brella™ is an easy mobile app that enables users to: be notified whenever a debit card purchase is made where your card is not present (telephone or internet) temporarily block and unblock your card if your card is lost. Eight Monthly Winners: $50 SHAZAM gift . If you already have an ATM or Debit Card and wish . IMPORTANT NOTE: You must call from one of the phone numbers First Independant Bank has on file for you. Fraud (Phishing Scams): Email emailfraud@shazam.net to report scams involving SHAZAM. Complete the following steps: - Enter your KSB debit card account number (PAN) - Enter the month and year the card expires - Enter a phone number for call back (You will receive an automated call requesting you to enter . Call SHAZAM ® Easy PIN: (800) 717-4923 (follow the prompts) For security purposes, you must call from the primary phone number on record with the bank. . Shazam Brella. If you've ever done business with a big bank, you know it can sometimes be a pain to talk to a real person. Debit Card Pin Activation & Reset Need to reset your debit PIN? Load your debit card into the wallet app on your phone then simply place your phone over or near the terminal/reader at your favorite business and you can pay instantly. VINTAGE RAINBOW DESIGNS DC COMICS SHAZAM! The pin itself is about 1-1/2" tall. LOST OR STOLEN DEBIT CARD? Then call the toll-free number (855-327-9746) and use the voice response system to create the PIN of your choice using the reference number. To inquire, call Shazam at (866) 508-2693 or contact us during normal banking hours at (606) 593-5151. Activate your debit card and/or select your PIN with one easy phone call! Shipped with USPS First Class. Debit Card Pin Activation & Reset Need to reset your debit PIN? EASY CLAIMS PROCESS: File a claim anytime online or by phone. 0000166226 00000 n Softcover version of the second edition Hardcover. Incorporates a new author, Dr. Chris O'Donnell, who brings considerable expertise to the project in the area of performance measurement. Flip through the book to browse their suggestions, or head directly to the category of your choice to find the best apps to use at work, on the town, at play, at home, or on the road. Captain Marvel Shazam 1940's Pinbacks. 0000192817 00000 n *Previous users of Bolt$: This is the same app, new name. merchandise pack including a duffel bag, glow-in-the-dark lapel pin, t-shirt, hoodie, lightning bolt pen, phone wallet and stand, and reversible beanie. 0000022002 00000 n A new payment-authentication company has developed technology that uses any phone to help verify Internet PIN-debit transactions conducted at participating merchant websites. To celebrate the release of 'Shazam!' in cinemas April 5, Warner Bros. Pictures and KCOM offer you the chance to win an official Shazam! Use your debit or ATM card for PIN- or signature-based purchases from 12:00:00 a.m. PT on April 1, 2020 through 11:59:59 p.m. PT on June 30, 2020 (the "Promotion Period") for chances to win a $500.00 SHAZAM gift card, or a $50.00 SHAZAM gift card, eight (8) of which will be given away each month of the Promotion Period. Details: Designed by Tom Ryan Studios. Bianco and Kramer agree the consumer ultimately will determine which company gains the most market share. Found insideMARY MARVEL PIN A .. ... like those expen- ust the thing to dress up - sive novelty pins worn by girls that ... They're easy to - - - - ive, gay colors. They make my job easier." Lisa Farnen, VP of Marketing / Electro Savings Credit Union / St. Louis, MO "Brella saved us almost $6,000 and should really be considered a crime-fighting tool." Private, easy, and convenient banking from your touch tone telephone. Debit Cards. Adventure abounds when a toy comes to life in this classic novel! However If you prefer, you can reset or customize your PIN by calling (800) 717-4923 from a phone number that is on file at that bank. Humanizing the Customer Experience: Why do credit unions and challengers lead the pack? . THE BANK OF WYANDOTTE. Institutional independence is a big part of what makes the Fed work. 0000005846 00000 n Ideal for programmers, security professionals, and web administrators familiar with Python, this book not only teaches basic web scraping mechanics, but also delves into more advanced topics, such as analyzing raw data or using scrapers for ... If you would like a directory of these ATM locations, visit the SHAZAM Web site at www.shazam.net or call us. (AT THE CORNER OF MAIN AND BROADWAY) PO BOX 350. Condition is excellent. To change your PIN number, call (800)717-4923 from your phone number we have on file and follow the steps outlined below to select and activate your PIN: Call the interactive voice response (IVR) number at (800)717-4923 Follow the voice prompts to enter the required information using your telephone keypad }W��u� �@��� `� endstream endobj 5 0 obj <>>> endobj 6 0 obj >/PageUIDList<0 213>>/PageWidthList<0 612.0>>>>>>/Resources<>/ExtGState<>/Font<>/ProcSet[/PDF/Text/ImageC]/Properties<>/XObject<>>>/Rotate 0/TrimBox[0.0 0.0 612.0 792.0]/Type/Page>> endobj 7 0 obj <> endobj 8 0 obj <> endobj 9 0 obj <> endobj 10 0 obj <>stream SHAZAM BRELLA While their authentication methods differ, Acculynk and Adaptive have much in common. It is always wise to carry a second (or third) form of payment, in the event your debit card does not work. Call Shazam Easy PIN: 1-800-717-4923 (follow the prompts) For security purposes, you must call from the primary phone number on record with the bank. SHAZAM FALCON FRAUD PROTECTION PROGRAM-FOR YOUR PROTECTION Bank of Advance and SHAZAM®, our electronic funds transfer network, have been protecting your debit card from unauthorized use for years. This work provides the basic information about grammar and punctuation that people need on a day-to-day basis. Arranged A to Z, it contains entries for standard grammatical terms as well as dealing with specific questions of usage. 0000111195 00000 n PERSONALIZE YOUR FSB DEBIT CARD Found inside – Page 53“ That's dry cylinder pins , Broadway . ... “ Hey , shazam . ... there's bundles that're easy to carry and ones that keep slippin ' outa your hands . If you need to update your phone number on record, give us a call. 0000008620 00000 n Shazam Debit Card and Shazam ATM Card. Shazam: 800-383-8000. Then, call Pinnacle Bank at (641) 752-2393 (Marshalltown) or (641) 484-7303 (Toledo), during regular business hours to request a new card. Charge-backs often account for 20% to 25% of a merchant’s fees, Bianco claims. WYANDOTTE, OK 74370. You will then learn whether or not your card qualifies for SHAZAM BOLT$. Consumer spending slide clouds banks' second-half outlook, Wells Fargo promotes Kyle Hranicky to head of commercial banking, Citi's Mexico unit takes first steps toward open banking, Scott Credit Union strikes second M&A deal in two weeks. A hardware-security module on Adaptive’s back-end system encrypts the PIN, which is then sent to a payment gateway to begin the processing cycle. Download SHAZAM BOLT$ for free from the Apple App Store, Google Play or log into bolts.shazam.net and enter your full card number. If it is a new debit card, once you receive the letter and your debit card, you will find the Shazam Easy PIN phone number located on the sticker on the face of the debit card. Found inside – Page 398MN 55113 (612)631-2852 SHAZAM version 6.1 SHAZAM is an easy-to-use 8 powertul econometrics program. ... Works with overlays and pin-fed fonns. “We believe that will substantially go away,” he says. Shazam is a mobile music discovery application enabling consumers to experience and share music with others across mobile devices and the Internet. Each time you use your debit card for a PIN- or signature-based purchase, now through September 30, 2021 you'll automatically be entered for a chance to win great prizes in the See the Sights Rewards promotion. Home Trust & Savings Bank. (NOTE: phone calls will be a live person, not a recording) Or, if you experience trouble using your card (such as a denied transaction(s) when you know your balance was more than the transaction total), your card may have a temporary block in place due to suspicious activity identified by the Falcon Fraud program. Your MasterMoney Card can be used at any business that accepts Debit MasterCard® - at millions of locations worldwide. First Independant Bank members can now use the Shazam ® EasyPIN system and update their PIN with one simple phone call. Shazam will set the interchange rate somewhere between a signature-debit transaction and a PIN-debit purchase at the point of sale. Important Notice from Farmers State Bank A few of our favorite games at the local arcade. • Perfect for every day transactions like buying groceries and fuel • You can set your own PIN to make remembering it easy • No fees at ATMs in the Shazam Privilaged Status network Simply call SHAZAM® at 1-800-717-4923 and follow the prompts that guide you through the process. 0000000016 00000 n Would you rather do your banking by phone? Farmers State Bank Debit Card featuring EMV Chip Card technology. Maybe you've got some great photos or videos and some cool filters and stickers to layer on top, but your story is still missing one important factor—music. Adaptive also is touting cheaper interchange costs and reduced charge-back percentages. After hours: Call Shazam at 800-383-8000. 5. Found inside – Page 20NH ANALYTICAL SOFTWARE P0 BOX 13204 Roseville, MN 55113 (612) 631-2852 SHAZAM version 6.1 SHAZAM is an easy-to-use ... Works with overlays and pin-fed forms ... It's a good idea to change your debit card's personal identification number, or PIN, if you suspect that it has been compromised.A new PIN will prevent the unauthorized use of your card and thus protect your account. Card Activation/Customize your PIN 1-800-717-4923 MASTERCARD ® SECURECODE ™ An extra layer of online security. Shazam Lost/Stolen: 800-383-8000. This is a secure way to use your Debit Card. United State Bank now offers Easy PIN to allow you to select your own PIN anytime, anywhere by simply using a standard touch-tone telephone. Osage, Iowa 50461. Shazam is a fuller solution, with off-line tagging, local tune suggestions, and the enjoyable . Adaptive’s own internal research indicates consumers would have no issue entering a PIN through a mobile phone. The staff is extremely easy to work with, and the quality of the products is top-notch. SHAZAM EASY PIN (1-855-327-9746) Want to change your PIN? Found inside – Page 96Shazam! The Original Captain Marvel. For the first 14 issues (Feb. 1973 through Sept.-Oct. 1974), that compromise seemed easy to swallow. With SHAZAM Easy PIN ®, your cardholders can instantly create their own unique PIN using an Interactive Voice Response (IVR) system. TU: 712-755-3881. Easy PIN. NOTICE….Please note that this link will take you away from Farmers State Bank web site and this link does not represent Bank sponsorship, endorsement or guarantee of information contained on the linked site. 0000011281 00000 n 0000018027 00000 n SERVING THE TWIN BRIDGES AREA SINCE 1905. SHAZAM EASY PIN (1-855-327-9746) Every student heading back to school has a smartphone in their pocket, using it to communicate, socialize and kick back and relax. If you would like to select a PIN number for your new Bank of Cashton VISA check card, you can do so by stopping into the Bank of Cashton or calling us at (608) 654-5121 to obtain your "Easy PIN Reference Number". pin, exclusive to The Bam! SHAZAM Falcon Fraud Assistance 1-866-508-2693. Do's & Don'ts of A Debit ard Do… Keep the Personal Identification Number (PIN) you use with your debit card a secret. All debit cards are now equipped with the added security of an EMV chip. This competition has now closed. Fee for your personalized debit card is $20 per card. Found inside – Page 210... I dreamed up a ta- disgruntled Canuck with my pered steel pin with a shank for ... atop the bench formant added , “ Thank goodtime or two and - Shazam ! Easy PIN Reference Number. Cardholders have the option to activate their card and change the PIN in one convenient call.Existing cardholders can change their current PIN using the same phone number that is providedbelow. I keep that extension . Contact your local branch to request a HomeTown Bank debit card. Please view photos carefully and feel free to ask questions prior to purchase. Found inside – Page 365UT 84037 Phone: 801-546-0445 SHAZAM version 6.1 SHAZAM is an easy-to-use 8. powertul econometrics program. ... Works with overlays and pin-fed forms. This edition of Watchmen, the groundbreaking series from Alan Moore, the award-winning writer of V For Vendetta and Batman: The Killing Joke, and features art from industry legend Dave Gibbons, with high-quality, recolored pages found in ... A digital wallet refers to an electronic device or online service that allows an individual to make electronic transactions. Found inside – Page 2034HC Easy Vietnamese . ... Shazam From 1930s to 70s . Harmony , pub . ... Collector's Ency of Hat Pins & Hat Pin Holders . HC Baldassare . The technology also validates a consumer’s Internet protocol address and phone used in the transaction. Want to change your PIN? Log in with your Bolt$ username and password. You can search locations by clicking here. Adaptive decided to integrate a phone in the authentication process because it views Internet browser-based PIN-debit transactions as risky, according to Ralph Bianco, the company’s chief operating officer. Found insideShazam! stripe-city.) Belowdecks, the layout is standard for ... run in to “pin” things together. ... Once on plane, running attitude was easy to live with. There is a $3 fee per deposit exceeding two deposits per cycle made at . Please call the bank during regular business hours to request a reference number to change your PIN number.