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Bank Security Questions

What's the Deal With Bank Security Questions?

What's your favorite ice cream flavor? What designs are on your library card? Your favorite entertainer? Who was your third grade teacher? Where did you honeymoon? What do all of these questions have in common? They're all actual security questions for online services, and the idea behind these kooky questions is that providing the answers will make it easier to retrieve your password should you forget it.

I hadn't really contemplated the motives banks have for utilizing these questions until I read a thought-provoking Slate article called "In What City Did You Honeymoon." Online services use the secret question method because it's cheap — calling to have a password reset can cost a company between $10 and $15 each time, while resetting your password with your secret question costs nothing at all.

It does make me wonder how hacker-safe these questions are, and I like the suggestion the article gives for banks to convert to a phone-based authentication system. If you forget your password, you just have to call from one of the phone numbers that you used to set up the account. Then, they'd call you on that phone and you'd have to type in a number that would appear on your screen. Seems easy enough.

Can you think of any funny bank security questions you've come across?


jennjennnbubba jennjennnbubba 9 years
:rotfl: I once had to resetmy entire online account thingee b/c when I orginally sgned up one of th questions was "What instrument did you play in school?" and I never played anything so I thought it would be funny to answer Tuba... well months I forgot that I tried to make a funny and the question popped up and I kept answering NONE and I couldn't bypass the question for one of the other 6 questions I had to answer. Long story short, I called the bank and b/c I could not verify that I DID NOT PLAY THE TUBA, I had to go into the bank office and reset my account.
terryt18 terryt18 9 years
I have one account that let me choose my own question and answer. I have the most confidence in that one.
wackdoodle wackdoodle 9 years
My bank let me set my own and apparently its a tough one for most people to crack- "What was his first name before he became the one?"
chancleta chancleta 9 years
i've seen some crazy ones i had no idea it was cheaper here i thought they were trying to keep my info more secure
ccsugar ccsugar 9 years
Father's middle name?
Lilavati Lilavati 9 years
Mother's maiden name, pet's name - and the call it SECURE! That's sooo easy to find out!
Lovely_1 Lovely_1 9 years
Haha or What's your favorite teachers name?
RosaDilia RosaDilia 9 years
I came across what was the color of your first car?
SkinnyMarie SkinnyMarie 9 years
First boyfriends name city of birth favorite pet name(how do you pick this?) Where your parents met Where was your honeymoon (I'm not married) When is your anniversary (Again, I'm not married)
aimeeb aimeeb 9 years
What was your HS mascot? Is the one my bank always gives me. What is your favorite pets name? Ha.
terryt18 terryt18 9 years
Seems like mine are always asking for my paternal and maternal grandparents' names.
ilanac13 ilanac13 9 years
the questions are entertaining but i have to say that one of the biggest annoyances is - is that i've had to call several times and the ask you a series of questions and if you don't get like 3 right in a row - then you're blocked out of your account for a bit - and they aren't normal questions. they are like 'what was the EXACT amount of a transaction that you made 8 days ago'
emalove emalove 9 years
Most that I've seen are: -What's your mother's maiden name? -What was your first pet's name? -What's your favorite restaurant? Those types of questions...I haven't seen any that I've found to be really odd.
LaLaLaurie06 LaLaLaurie06 9 years
What was your high school mascot?
looseseal looseseal 9 years
What's your favorite pizza place?
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