If you rip open the back of the packaging you will now find the pin.

You do not have to call to re-set any more.

That is the good news. The bad news is that if you write the pin in the signature strip, put them in your pocket, take them to WalMart to do CheckFreeBillPay (because you do not want to buy so many money orders at Kroger that they might complain), the pin will have smeared) and you will be infuriated while standing in line at WalMart.

So the OneVanilla choose any pin at first use is better. But those do not work at WalMart.