brad wrote:The risk is probably small, but it's no big deal for me to rename my accounts so I did it. There are other scenarios you can think of: if you have a habit of going to the ATM each Friday morning to pull out cash for the weekend, someone who gets your YNAB file can see that pattern in your transactions, and if they know the name of your bank and can figure out your home address (not difficult to do), they might be able to deduce where you go to take out your money every Friday morning. And one Friday they might be there waiting for you.
The chances of these things happening are very small, but we live in a strange and dangerous world; it doesn't hurt to take a few minor security precautions.
This might make more sense if you were the only person using the ATM, but it would be much easier to simply steal the numbers and/or card from a random person. Right now, there's a problem in the region with some people watching people entering their pins at the grocery store and then creating a scene in the parking lot so that they can swipe the matching card without it being noticed. They are targeting older ladies.
After watching too much Law & Order SVU I can just see the detective asking me if there was anyone that I could think of that would want to steal my money with my best response being I think someone targeted me after stealing my YNAB budget file from Dropbox. I'm pretty sure they'd put me in for a night at Rikers for sounding crazy.
Been there. Done that. Got the YNAB T-shirt!