My bank's app logged me out for 'security' right when I needed to pay a bill

This happened yesterday at 5 PM, right before a $75 utility payment was due. I opened the app, typed in my password, and it instantly booted me to the login screen with a vague 'session expired' message. I had to go through the whole two-factor text code thing again, which took three full minutes. Why do apps do this during the exact times people actually need to use them? It feels like the security check happens at the worst possible moment. Has anyone found a bank that doesn't pull this kind of thing?

3 comments

3 Comments

schmidt.blake3mo ago

Used to think that was fine, but man, that's actually the worst timing.

briannguyen3mo ago

Ever try just setting a hard stop for yourself? I forced a 30-minute cutoff before bed and it actually helped me unwind (phone goes in another room, no exceptions). That buffer made a huge difference in falling asleep faster.

rose_murray29d ago

Disagree completely. That three minute delay is worth it compared to getting your account drained by someone who stole your phone. I've had friends deal with bank fraud and it takes weeks to sort out, way longer than waiting for a text code. Your utility company would rather you be a day late than have your entire checking account cleaned out. Banks get blamed no matter what they do, so I'd rather they be annoying and safe than convenient and risky.