None of the above does not require authentication.
Authentication is a very important process in banking services.
Authentication is required at every step in banking such as Internet banking, ATM card, debit card, credit card, etc. Authentication is the process of determining whether someone or something is, in fact, who or what it is, declared to be. In private and public computer networks, authentication is commonly done through the use of logon passwords. Knowledge of the password is assumed to guarantee that the user is authentic.