It may be much worse than you think. Another large brokerage company I know of has similar password requirements. They also have a phone banking system, to use

It may be much worse than you think. Another large brokerage company I know of has similar password requirements. They also have a phone banking system, to use it you have to touch tone in your password. On a whim I tried entering the keypad version of my password on the website and surprise! it worked. Luckily for me there is zero customer liability for fraud on their retirement accounts.