This is a great idea. It could serve two purposes. It would make sure that everybody has these things in place, and it could also deter macroers. Not only would they have to now set the bank pin, but that means that they would have to use it. Not that this would get rid of macros, but it would certainly annoy them. It may also annoy older players that make a new account, but they'll get over it. It wouldn't affect the new players, because they wouldn't know that it was ever any other way. Actually it could stop banking macros. Full stop. I know this because my friend was an ex-macroer (he stoped when his main became perm banned and he screwed up his last chance appeal lol) and he told me that nearly all macro banking programs use one script. All have no bank accounts. And, as PIN owners would know, the numbers change all the time.