My experience with a PIN

I applied for a savings account at Bank Dagang Negara (BDN) in the Manggala Wanabhakti building, Central Jakarta, on May 28. This account, called BDNPAS, comes with an ATM card, and I was told that the card would be ready within about 10 days. When I returned to the bank on June 11, I was informed that the card was not ready. Eleven days later, I called the bank and they said I could then get the card.

On the following day, June 23, I came to the bank. A customer service officer, a nice lady, gave me the card and apologized for any inconvenience. She told me to go upstairs and meet Ms. X to get my PIN (Personal Identification Number). I don't remember Ms. X's title, but she is either in the marketing department or the promotion department. I went to her office only to find her, and several others, busy eating cakes. It was 8:15 a.m. or 15 minutes after the bank opened. Ms. X looked irritated when I told her why I was there. I was surprised to hear them arguing among themselves why they had to deal with PIN matters. Then another bank officer, Mr. Y, told me that the official who had the authority to handle PINs, was in a meeting. I asked when the meeting would be over, and he said he didn't know. But he said that my PIN was in that official's safety box and that it was only that particular official who had the key.

I was speechless and didn't know what to do. But then a "miracle" happened. Mr. X slowly opened a drawer, taking out a book and a bundle of envelopes. My PIN was in one of the envelopes and he gave it to me right away, after I signed the book.

Holder of BDNPAS Saving Account

No. 999.0.287700.1.1.6

Jakarta