Yesterday, due to lack of coffee and fat fingers, I entered the wrong credentials when logging into my online banking account, and was locked out. Not really a big deal, sorting it out was easy to do and took about 2 minutes. This morning, I got an email from my bank with the headline: "Welcome back to online banking!" It went on to excitedly inform me that I could now manage my money 24/7 (who knew!);pay bills (really?); transfer funds; set up standing orders; print statemen