401
Marketing should always be OPT-IN by default, but these extra steps to opt out is truly asshole design.
Oh, and on the opt-out confirmation screen, you get two options: Yes or No. The button colour for "yes" is white, and the “no” button matches the “save” button on the previous screen, so it's easy to accidentally cancel the opt-out. Double-asshole design!
What country??
In Canada, there are only a few banks that I'm aware of that offer free accounts. Many are online only and end up being really limited.
Our local credit union has several personal accounts, and they either start at $10 a month or "free" but they charge for every ATM transaction, deposit, e-transfer, etc.
Yeah, I looked it up and couldn't find one that fit my needs. Many of them lack a way to get cash or cheques which unfortunately is still occasionally needed. (I probably write/deposit ~5 cheques a year). I would also want to switch to one that has TOTP based 2FA but that seems to be none of them, but I would never switch to one that requires SMS or custom app based 2FA (which seems to be most of them).
Man, banking is one of the things I really miss about living in Europe.
As far as I know, there isn't a single bank in Canada that offers this. Extremely frustrating and impossible to trust any bank with my money if they don't even take security seriously.
Murica! 🦅🎆🎇