It's more difficult to use the app than to break into a secure facility. The outdated system and two-level verification are not helpful. A wrong answer leads to being locked out, with no passcode sent, resulting in suspension and needing to speak to an operator. After a lengthy call, I'm informed that I must wait for a passcode to arrive by post before I can reactivate my account. The call center staff are professional and helpful, agreeing that the online system is ineffective. I plan to withdraw my money as soon as I regain access. This outdated system needs improvement if they want to retain customers.
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