An article that was VERY carefully swept under :

Hackers have crossed into new frontiers by devising sophisticated ways to steal large amounts of personal identification numbers, or PINs, protecting credit and debit cards, says an investigator. The attacks involve both unencrypted PINs and encrypted PINs that attackers have found a way to crack, according to an investigator behind a new report looking at the data breaches.

The attacks, says Bryan Sartin, director of investigative response for Verizon Business, are behind some of the millions of dollars in fraudulent ATM withdrawals that have occurred around the United States.

[...]

The revelation is an indictment of one of the backbone security measures of U.S. consumer banking: PIN codes. In years past, attackers were forced to obtain PINs piecemeal through phishing attacks, or the use of skimmers and cameras installed on ATM and gas station card readers.

Barring these techniques, it was believed that once a PIN was typed on a keypad and encrypted, it would traverse bank processing networks with complete safety, until it was decrypted and authenticated by a financial institution on the other side.

But the new PIN-hacking techniques belie this theory, and threaten to destabilize the banking-system transaction process.

Continued:
http://blog.wired.com/27bstroke6/2009/04/pins.html

Even having a bank account puts your cash at risk now, hah !

Remember this : [ame="http://www.youtube.com/watch?v=1DSiWunnNDA"]YouTube - The Real Hustle (US Version) - Card Clone Con[/ame]