The term ATM USER'S NEED is composed of two words: PIN (3 letters) and BANKCARD (8 letters). PIN stands for Personal Identification Number, which is a unique code used to authenticate a user's identity when accessing an ATM. A BANKCARD is a card issued by a bank that allows the user to access their account at an ATM. Together, these two items are necessary for a user to access their account at an ATM.