They are fine. They are 100% convenience and nothing more. The only thing is (much like a yubi key), you need the key, you can only access it during banking hou

They are fine. They are 100% convenience and nothing more. The only thing is (much like a yubi key), you need the key, you can only access it during banking hours, and generally requires an ID. So I fail to see how this is bad. It's far cheaper and easier than buying a garbage $300 safe that someone can jack open with a crowbar. The shittiest thing is if a teller messes up and just let's someone who stole your key from your box, you're SOL. It's like the scene in Casino where De Niro's wife is clearing out the box. The bank manager couldn't stop her cause legally he had to let her in.