/etc/pam.d/password-auth default centos 6.5 https://www.digitalocean.com/community/articles/how-to-set-password-policy-on-a-centos-6-vps changed from default to only allow 3 login failures before account is locked

password-auth

#%PAM-1.0
# This file is auto-generated.
# User changes will be destroyed the next time authconfig is run.
auth        required      pam_env.so
auth        required      pam_tally2.so deny=3
auth        sufficient    pam_unix.so nullok try_first_pass
auth        requisite     pam_succeed_if.so uid >= 500 quiet
auth        required      pam_deny.so

account     required      pam_unix.so
account     required      pam_tally2.so
account     sufficient    pam_localuser.so
account     sufficient    pam_succeed_if.so uid < 500 quiet
account     required      pam_permit.so

password    requisite     pam_cracklib.so try_first_pass retry=3 type=
password    sufficient    pam_unix.so sha512 shadow nullok try_first_pass use_authtok
password    required      pam_deny.so

session     optional      pam_keyinit.so revoke
session     required      pam_limits.so
session     [success=1 default=ignore] pam_succeed_if.so service in crond quiet use_uid
session     required      pam_unix.so