I'm wondering if anyone else is getting a bit tired of some of the security hoops users have to jump through on some online sites. One of my credit unions has a site that's a real chore to access.
First, I have to enter my user ID, which is my account number. Because it's not coded as such on the site, however, the browser won't save it.
It's also not the same number as the one on my checks. The checks have some digits added at the beginning and end of the account number, but I can never remember which ones are the extra ones.
Next, I have to answer a random question that they select from the questions they have on file for me. More about that later...
On the next screen, I have to identify a picture as my own.
Then I have to identify a security word as my own.
Finally, after doing all of the above, I can enter my username (which is distinct from my user ID) and my password, and do whatever I went on the site to do -- assuming that I still remember what that was.
Except not always.
If after providing all of the above information, the system detects that I am logging in from a given IP address for the first time, I have to provide yet another security code, which they send as a text message. I found this out after I moved, and I was trying to log in to update my records -- including my new cell phone number.
Luckily, a quick phone call to the credit union (along with answering a couple more security questions) got everything sorted out.
Now, about the online security challenge questions themselves:
When I first established the online account, I had to select about half a dozen questions from a batch of maybe fifteen or twenty that they offered. No two (or more) questions were allowed to have the same answer. Here's a sampling of some of the questions:
My first criticism: Is is all that unusual for someone to be born, attend elementary and high school, meet their first crush, meet their spouse (more about that later, too), work their first job, and get married -- all in the same city? And is it unusual that someone's spouse would have been born in the same city as the someone in question?
But because no answer can be used more than once, that someone would only be able to select one of the city-related questions.
Now about spouses, isn't it rather stupid to have so many spouse-related security questions?
First of all, information about someone's spouse would seem fairly easy for an identity thief to obtain.
Secondly, what if the person has never been married? Then all the spouse questions are useless.
Thirdly, what if the person has been married more than once? Then all the spouse-related questions require the person to pick a spouse, as it were, and remember which spouse they picked.
I understand that identity theft is a big problem, and that certain steps need to be taken to protect against it. But isn't it getting a little ridiculous when it takes almost as long to log into my account as it would to just drive to the blasted credit union?
-Rich
First, I have to enter my user ID, which is my account number. Because it's not coded as such on the site, however, the browser won't save it.
It's also not the same number as the one on my checks. The checks have some digits added at the beginning and end of the account number, but I can never remember which ones are the extra ones.
Next, I have to answer a random question that they select from the questions they have on file for me. More about that later...
On the next screen, I have to identify a picture as my own.
Then I have to identify a security word as my own.
Finally, after doing all of the above, I can enter my username (which is distinct from my user ID) and my password, and do whatever I went on the site to do -- assuming that I still remember what that was.
Except not always.
If after providing all of the above information, the system detects that I am logging in from a given IP address for the first time, I have to provide yet another security code, which they send as a text message. I found this out after I moved, and I was trying to log in to update my records -- including my new cell phone number.
Luckily, a quick phone call to the credit union (along with answering a couple more security questions) got everything sorted out.
Now, about the online security challenge questions themselves:
When I first established the online account, I had to select about half a dozen questions from a batch of maybe fifteen or twenty that they offered. No two (or more) questions were allowed to have the same answer. Here's a sampling of some of the questions:
- In what city were you born?
- In what city was your spouse born?
- In what city did you attend elementary school?
- In what city did you attend high school?
- In what city did you meet your first boyfriend / girlfriend?
- In what city was your first job?
- In what city did you meet your spouse?
- In what city were you married?
- What is your spouse's middle name?
- What is your spouse's mother's first name?
- What is your spouse's father's first name?
- What is your spouse's birthday (MM/DD/YYYY)?
My first criticism: Is is all that unusual for someone to be born, attend elementary and high school, meet their first crush, meet their spouse (more about that later, too), work their first job, and get married -- all in the same city? And is it unusual that someone's spouse would have been born in the same city as the someone in question?
But because no answer can be used more than once, that someone would only be able to select one of the city-related questions.
Now about spouses, isn't it rather stupid to have so many spouse-related security questions?
First of all, information about someone's spouse would seem fairly easy for an identity thief to obtain.
Secondly, what if the person has never been married? Then all the spouse questions are useless.
Thirdly, what if the person has been married more than once? Then all the spouse-related questions require the person to pick a spouse, as it were, and remember which spouse they picked.
I understand that identity theft is a big problem, and that certain steps need to be taken to protect against it. But isn't it getting a little ridiculous when it takes almost as long to log into my account as it would to just drive to the blasted credit union?
-Rich



