Sign-on procedurers......all 3 of them before I can get to MY money.

Currently Standard Bank's sign-on procedure incorporates 3 different processes containing 5 different pieces of information before one can access their accounts. This is not clever but is a good way to persuade one to switch to a bank that understands online banking. Of course, the bank will reply that this is to protect the client. ******* it is to protect the bank. I am sure whosoever designed this procedure does not use Standard Bank Online banking for they would have very quickly seen the error of their ways.