Next we need a urine sample. Yes, it's necessary to see your online banking.
In one week I will be in a hotel room on the eve of the most important exam of my life. Irregardless, life must press on and that includes paying bills the torture of online banking, and blogging. Blogging?
For months I've been unable to get into one of my accounts online. I input the username that I've had for 7 years now, and that takes me on to the next level of security. Questions about my first car, my mother's birth city and the last school I attended taunt me. How many times have I called their customer service because I cannot get past the last school attended question. Number one reason for not getting a higher education: it simplifies this question immensely.
Today I miraculously got past the extra security questions to fail at the password. Why is it so hard for me to see what my balance is? I appreciate security, but is all this really necessary? Online banking should simplify my life, not complicate it. I call customer service and navigate through the labyrinth of sub menus for English, Existing Customer, Organ Donor, Brown Eyes, Right Handed etc etc to get placed in a queue for someone to reset my password.
Finally, a real, live, human being that geographically isn't even an hour from me! I explain the problem and she asks me if I'm using a bookmark. Um, okay, a bookmark relates to my password how? Delete the bookmark? Why? I highly doubt that my browser is redirecting the domain I've just typed into the address bar, at your direction, to my bookmark. Fine. Deleted.
Still not working and I'm still not surprised. What's that you say? My password has suddenly and magically been suspended? Imagine that. Oh, super, you're finally going to give me a temporary password. Isn't that what I asked for in the beginning? Now where's my bookmark? Thanks for that. Yes, it's logging in and asking for a new password that's a minimum of 8 characters long. (excessive maybe?)
You're still talking, and I'm still not caring but what's that you say? You've just told me to write down my password? Are you kidding? I am telling you it surprises me that you suggest I write down my password to my online banking account. Welcome to the 21st Century, You DON'T Do That. No. Never.
One more thing, you say? No, I don't want to do your stupid 4 question survey, I want to drop this account like a steaming pile of feces and go to a different bank that doesn't waste my time with more security procedures than they use to keep track of nuclear warheads.

Two things:
1. All that to tell you that you owe a gabillion dollars in student loans? I'll hit you over the head with something heavy next time.
2. "Most important exam of my life". Clearly my father hasn't given you the Exam to Date My Daughter yet. I'll remind him. FYI - you need 108% to pass.
Yes, but hello. Kids Incorporated!! K! I! D! S!
Wow!!! After all of that I just KNOW you will have no problems with that Bar Exam!!! You seem to be able to deal with anything that comes at you. Hang in there, son. I can smell a batch of fresh cookies coming to celebrate.
Dude, I have an address book right next to my computer filled with all the passwords for every damn site I've ever been to. No way I'm gonna remember them all.
I tried online banking; finally gave up when I couldn't get through all the security crap.
For all those hoops, you damn well better get a lolly.
Even better when it's a site that went to those extra security questions without bothering to inform you of such or prompt you to set them up. THEN it asks you questions that you never give the right answers to, BECAUSE YOU NEVER SUPPLIED ANSWERS AT ALL!
We're screwed- and that's the way the want it.
The only problem is that every bank is required to provide that deep of security... it will haunt you till you die or your identity gets stolen, whichever comes first.
I had that very same problem, until I discovered it didn't like my (right) answers because I was hitting enter instead of clicking the submit button with my mouse. Effing-effers!
Please tell me your use of the word "irregardless" was tongue in cheek!
And I better not catch you describing how you would "orientate" your next "romantical" encounter.
;)