automated over the phone. I had the option of calling a live person, and the wait time was 30 min. As I was expecting Susie, I didn't have that kind of time.
I did my best estimates of what I had based on the last time I got my balance, subtracting the bills I paid today, and my best estimate what I will have at the end of the month by subtracting.
It looks like I will be able to pay for the things I need and not need to pull money out of savings. Which I cannot do without the bank recognizing my PIN.