Banks are so strange. They always bother me of "needness" to remember: password, PIN, code word, where is my electronic key, password to electronic key, and where is my phone with requirement of having it. Also they love to have some nasty rules for creating a password like having no less than 4 digits but not sparce. Banks mean so much for peoples nowadays, and they use to behave like a jerks. That's why I am ready for walking in great lengths for keep not having any active bank account.