Comment by lxgr
8 days ago
As somebody that’s had to deal with US banks and their bizarre “authentication” schemes: I wish.
Many would actually rather you close their account with them than them making the tiniest compromise or offering any alternative to their SOP at all. That SOP strongly assumes things like “all customers have a mobile phone plan with the big three carriers”, “all customers own property or at least have car insurance” (that’s already their authentication fallback flow!) etc.
Changing banks is incredibly annoying but this might be a reason to consider it.
I have also faced this issue with banks and their frustrating authentication issues. Not to mention proprietary app requirements.