It seems everything we do needs a password, and it's hard to remember them all. Well, watch out with these stimulus debit cards. You need a PIN -- and you'd better not forget it.

For that reason, he says he only recommends changing my debit card PIN if it gets compromised. If my card is part of a retailer’s data breach, I should change it.

After all, PIN-based transactions are more secure than the signature-based form, as the 4-digit code provides another layer of verification that the true cardholder is using the card. U.S. Bank ...