“Are you worried about potential fraud?”
“Something like that,” Kiana said.
Twenty minutes later, everything was done exactly as she’d requested.
The PIN on her main account card—the one with the hundred and twenty thousand dollars—was changed to something completely new.
The old PIN, 3806, remained active only on her spare card, the ancient one she’d set up years ago for small, quick purchases but had long since stopped using.
That card now held exactly three dollars.
Kiana had kept that account open simply because it was easier than closing it, but now it might come in very handy indeed.
Kiana left the bank and paused on the stone steps outside, breathing in the cold air that smelled faintly of car exhaust and coffee from the diner down the block.
People rushed past her to work, dragging shopping bags, clutching takeout cups with both hands against the chill.
An ordinary morning in an ordinary midwestern city.
But inside her, everything had changed.
She was ready now. Completely ready.
That evening, Darius started another careful conversation about money, this time avoiding sharp corners and direct questions.
“Hey, have you thought about opening a certificate of deposit?” he asked, poking his fork at his pasta without much interest. “The interest rates are pretty good right now. It’s a smart financial move.”
Kiana shrugged casually.
“I thought about it, but I haven’t decided yet. What if the card gets stolen or the account gets hacked? There are so many scams these days targeting people with savings.”
He smirked slightly, looking almost amused.
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