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@monorail is it because the environment variables need to be set before sourcing the script, so it currently only takes effect the second time it's loaded?

otherwise, the next debugging steps I'd try world be removing the source command and seeing if it still loads, adding echo statements inside the script, and seeing if the shell can start with a debug mode

@monorail it's not great, but you also have to consider that you need a physical thing (a card, which can also be cancelled if it's lost) and you only get a few attempts before it gets locked.

unless your bank doesn't lock out accounts after multiple tries, or lets you log in using a PIN online...