I really disagree about making it 'easier' to login to your online banking. Those who are savvy enough know what they are doing and can handle complex password

I really disagree about making it 'easier' to login to your online banking. Those who are savvy enough know what they are doing and can handle complex password / authorization combos. Until we have better solutions leave it complex and let customer service handle the cases where the odd person can't manage their login info. With banking, security is a far better requirement than usability. Having said that, my online bank has what I perceive to be a fairly secure 3-step auth system and if I don't have my info physically in front of me I can't get access. Emergency and can't login? I'll call them.