It just occurred to me that this may be an account that DW has for his son, like a college fund, or child support or maybe a trust or something.Very, very good catch. Would not at all be unusual for Dad to have an account for his son to access from local ATMs at college. He'd need the PIN, and since Dad probably set up the account for said son, he may very well use part of his SSN as an easily remembered number. Brilliant deduction, Sherlock!
Oops. I'm not a Sherlock. It was for an account on Free Drive, the remote storage folks. It was not for a bank (I have no idea where I came up with that one).