Off Topic:
My problem with banks is their "security" questions... promote false security for any fools who believe they work. Most of that info of those security questions, including SSN, are posted in public either by public entities (SSN is not private and is not secret, but technically should only be used for tax/income purposes) or by users themselves on their spacebooks. Mother's maiden name... I have no idea where anyone got the idea that this was a good piece of info to use for "security". Those names are public and more and more women don't change their names, nor are all moms married, etc...
Something like 3dsecure encourages people to get phished.
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