Paperless? Clueless is more like it.
Nov. 1st, 2012 09:45 amJust another morning in banking hell.
Eleanor gets paid on Thursdays. Usually it's on our online account to record the amount (it varies week to week) by the time I'm done feeding the aminals a little before 6. Today, though, no go. Not 6, not 7 nor 8. Then I remembered. Our "local" bank, First Niagara, acquired another bunch of banks and apparently merged into their electronic processing system. So the actual money changes hands on that gateway to the Niagara Frontier known as South Windsor, Connecticut. It's been a little rainy there, as you may have heard.
Nothing on their website saying anything about delays- just a list of which branches were still closed. Fortunately, there was a relatively large balance in there to begin with, and just now, close to four hours late, it finally posted.
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Their website, like almost all banking ones nowadays, goes out of its way to be difficult to get into- even if you're the account owner.
The flavor of the month in online security seems to be pass-pictures. Supposedly, the script kiddies who are phishing for your info won't know what picture you've selected. Problem is, half the time, you don't remember, either, because they go with choices that are never obvious (duh) and you therefore have to select a pass-phrase to go with your pass-picture before entering your pass-word.
It's enough to make you want to pass-gas. So I did just now- of the electronic kind.
Eleanor's health savings account (another putrid flavor of the month, this one in the health care industry) has been inaccessible for weeks. The login took, the weird pass-thing appeared ("if you knew sushi" with a picture of some raw fish next to it), the password entered, and, for over a week, it shot right back to the login page. No help link, no phone number, just unhealthy limbo. Then, as of yesterday, not even the login worked, and still, no help unless you went and found it on your own.
Wot I did. After an interminable wait on their Legendary Customer Service line, I was told, oh, we switched from THAT website on October 15. We sent a mailing about it.
Oh yeah. That was probably the one with 1,024 changes that you sent in JULY. Would it have killed them to put a reminder on the actual login page? (Probably it would have, because then the old webhost would be plugging the NEW webhost, and we can't have any of that:P)
So he then walked us (Eleanor now being on the other line for our own protection) over to the new login page- where the old login wouldn't work. She'd need to re-register; and would need an "employer ID" I'd never seen before. Fortunately, since she still had a pulse after all this, he was able to give it to us. And I then went through the whole damn Wall of Weird again, picking a pass-picture and a new pass-phrase to go with it.
Would you like to see?

I actually had some dirtier ideas for that whisk than that, but if past history holds, I will be discussing this phrase with one of their IT professionals someday soon, and I didn't want to push it;)
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I won't even start with how much fun Key Bank is. Suffice it that "BiteMeKeyBank" is the pass-phrase that goes with THEIR pass-picture.
Eleanor gets paid on Thursdays. Usually it's on our online account to record the amount (it varies week to week) by the time I'm done feeding the aminals a little before 6. Today, though, no go. Not 6, not 7 nor 8. Then I remembered. Our "local" bank, First Niagara, acquired another bunch of banks and apparently merged into their electronic processing system. So the actual money changes hands on that gateway to the Niagara Frontier known as South Windsor, Connecticut. It's been a little rainy there, as you may have heard.
Nothing on their website saying anything about delays- just a list of which branches were still closed. Fortunately, there was a relatively large balance in there to begin with, and just now, close to four hours late, it finally posted.
----
Their website, like almost all banking ones nowadays, goes out of its way to be difficult to get into- even if you're the account owner.
The flavor of the month in online security seems to be pass-pictures. Supposedly, the script kiddies who are phishing for your info won't know what picture you've selected. Problem is, half the time, you don't remember, either, because they go with choices that are never obvious (duh) and you therefore have to select a pass-phrase to go with your pass-picture before entering your pass-word.
It's enough to make you want to pass-gas. So I did just now- of the electronic kind.
Eleanor's health savings account (another putrid flavor of the month, this one in the health care industry) has been inaccessible for weeks. The login took, the weird pass-thing appeared ("if you knew sushi" with a picture of some raw fish next to it), the password entered, and, for over a week, it shot right back to the login page. No help link, no phone number, just unhealthy limbo. Then, as of yesterday, not even the login worked, and still, no help unless you went and found it on your own.
Wot I did. After an interminable wait on their Legendary Customer Service line, I was told, oh, we switched from THAT website on October 15. We sent a mailing about it.
Oh yeah. That was probably the one with 1,024 changes that you sent in JULY. Would it have killed them to put a reminder on the actual login page? (Probably it would have, because then the old webhost would be plugging the NEW webhost, and we can't have any of that:P)
So he then walked us (Eleanor now being on the other line for our own protection) over to the new login page- where the old login wouldn't work. She'd need to re-register; and would need an "employer ID" I'd never seen before. Fortunately, since she still had a pulse after all this, he was able to give it to us. And I then went through the whole damn Wall of Weird again, picking a pass-picture and a new pass-phrase to go with it.
Would you like to see?

I actually had some dirtier ideas for that whisk than that, but if past history holds, I will be discussing this phrase with one of their IT professionals someday soon, and I didn't want to push it;)
----
I won't even start with how much fun Key Bank is. Suffice it that "BiteMeKeyBank" is the pass-phrase that goes with THEIR pass-picture.