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I read you post and it makes a lot of sense. None the less, some folks don’t like to allow access to their account.

I’d rather not debate it here, so I appreciate your comments.

I agree that this is not the place to debate it but just thought I'd mention that I've been doing online banking for over a quarter century and I maintain dozens of automated transactions a month. I've never been a victim of fraud and never had a case where somebody took out more than what was authorized. The only problem is that when there's a change in your credit card, you have to go to all the various websites and setup the payments all over again with the new number and exp. date. Though some would see that as more of a security feature than a nuisance. Hopefully that gives some here thinking about it some peace of mind.

Also, I was annoyed back in the 1990s when I tried to cancel my AOL account. Took me multiple phone calls to get that done. But that came back to bite AOL as they lost millions of subscribers for being such jerks and for stuffing our mailboxes with those infernal CD ROMS (even though we were subscribers already). But that was over 20 years ago!