To add to grecy's comment: Your login Keychain is usually unlocked - it's encrypted with a key derived from your password that's held in memory from when you l

To add to grecy's comment: Your login Keychain is usually unlocked - it's encrypted with a key derived from your password that's held in memory from when you log in. You can lock your login Keychain (or any other) from Keychain Acccess (/Applications/Utilities) or from the security menu bar item (if you have it added) and you'll be asked for the password rather than asked to "allow" it.