I didn't even bother enabling online banking with my local bank because of this. None of the local banks have a damn clue so I just use them as if it's 1995; A

I didn't even bother enabling online banking with my local bank because of this. None of the local banks have a damn clue so I just use them as if it's 1995; ATM and IRL. I only use them for cashing checks though so it's no big deal. E-Trade has a decent security story though. 2FA w/hw token, and they refund all ATM fees on the checking account so it's decent for general banking in addition to trading.