Comment on It's time to stop using SMS, here's why!

• Imprint9816@lemmy.dbzer0.com ⁨1⁩ ⁨week⁩ ago

  Relax homie don’t pop a blood vessel. I know it can be frustrating to realize you have to take some personal responsibility for your privacy.

  You don’t have to use a bank at all, you opt for a credit union or a host of other options.

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  • gamermanh@lemmy.dbzer0.com ⁨1⁩ ⁨week⁩ ago

    You don’t have to use a bank at all, you opt for a credit union or a host of other options.

    As someone who’s banked with a credit union before: we still just call it the bank and they have all the same issues normal banks do with shitty tech support

    If someone wants the ability to bank in person at all then it can be incredibly difficult if not impossible to find a bank that doesn’t have shit IT

    You get more freedom with online only banks (what I use now) but those also come with tradeoffs like cash being much more annoying to use

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    • Imprint9816@lemmy.dbzer0.com ⁨1⁩ ⁨week⁩ ago

      I’m not saying its easy or convenient but users here love to complain about issues while being complicit. I just find that annoying.

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  • CedarA64@lemm.ee ⁨4⁩ ⁨days⁩ ago

    My credit union uses SMS for 2FA. What “host of other options are available”? Do tell. But GTFO if you are going to suggest paying my health insurance premium or rural grocery store in Monero or some nonsense like that.

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    • Imprint9816@lemmy.dbzer0.com ⁨4⁩ ⁨days⁩ ago

      I don’t know your specific circumstance but I highly doubt you only have one option for a bank or credit union. Time to adult some shit and do your research. Complaining on Lemmy will only get you so far.

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      • CedarA64@lemm.ee ⁨4⁩ ⁨days⁩ ago

        You are making the mistake of assuming that people make a decision about what institution to bank with solely based on what kind of 2FA they provide. In reality, there are many other factors involved. I ended up banking with these institutions for a reason. And I don’t know what the overall situation outside the US, e.g. in Europe, is but I think in the US there are few banks that offer something better than SMS 2FA. Some will force you or invite you to use their special app (which may or may not only work with SafetyNet) instead, which is absolutely not an improvement except perhaps strictly in the security sense. I think there are a few experimenting with FIDO2 hardware security keys but that is the exception. This is a problem that requires regulation not telling random individuals that they just need to git gud at picking a bank.

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