If the future of banking is dealing with an automated system that refuses ur apt# despite living there more than 2 yrs, then even after explaining to customer service twice that their system wouldn't let me signup they still assumed I was performing a change of address. Is it also the future to only have 1 method (phone) for signing into your acct, because here in the present there are several secure methods to access your acct. So if this is the future of banking its the future of bad banking.