I think certain banks foster a culture of untrustworthiness. Every time I go to my bank, there is at least one policy change which makes it impossible for me to do what I want to do, but inevitably what happens is after 5 minutes of checking on their PC to make sure i’m not evil, they come up with some way of manipulating their system within their policies to do what I asked in the first place. AND THEN, they try to sell you upgrades to your account. OK rant over.
I’m aware banks have policies to protect the monies of it’s customers and ensure fraud doesn’t exist… it just sucks that the policies don’t leave room for trusting honest customers!