I usually lowercase usernames before storing them in the DB, which saves a lot of mental effort later on -- specifically, where usernames are used as keys (like

I usually lowercase usernames before storing them in the DB, which saves a lot of mental effort later on -- specifically, where usernames are used as keys (like "website.com/users/username/"), but I've always chosen to preserve case on passwords as a security measure (being able to tell somebody your password without actually telling them your password is valuable, if only in extremely rare situations). It's odd to me that someone like a bank would choose the other way.