The first time I encountered VbV, a few years back, made bells ring in my head. So I actually called my bank and asked them if it was on the up-and-up. The bank

The first time I encountered VbV, a few years back, made bells ring in my head. So I actually called my bank and asked them if it was on the up-and-up. The bank (and I talked to a few supervisors in their customer service department) couldn't figure out themselves what the story was. If they're going to do something like this, they really ought to be able to explain it to their customers.