I don't care to be forced to "Upgrade " for a "better" version . Telling me it's more secure and protects my account isn't true . The same tech geek you hired to make this upgrade was surpassed in his class by someone that has better skills. Don't make changes that are not necessary . Here I am again having to make another upgrade , the second one in just a few months . Once again I am being made to make an upgrade by a bank that offers very little to it's customers .