I made the mistake of letting my husband borrow my cell phone. So, to log into my bank account, I needed my email, PLUS a debit card, and the debit card PIN number. There was a problem with my PIN number, so I called Bank of America. What a NIGHTMARE! Since I didn't call them from my cell phone, but instead the landline, they kept asking for a phone access code. I was like, what the he** is that? I somehow finally got through to a real person after a lot of wrangling. I told her I didn't remember the PIN number to my debit card, and she kept trying to authenticate and verify my identity, and had lots of trouble doing so. What ever happened to just giving someone the last 4 digits of your social, or your mother's maiden name? I told her I didn't know my phone access code. She then asked for my verbal password, which I have NEVER heard of. And she told me I would have to have a temporary phone access code and temporary PIN for that, and then I would set up a permanent access code. What the? Finally my husband got home with my phone. Now I'm like, God HELP me if I ever lose my cell phone. I just cannot follow all of the different codes, PIN numbers, ID's, passwords, etc ect. I realize a bank needs a lot of security, but really? It was very difficult to finally get through to a real person. I'm going to have my husband get a cell phone (he doesn't have one), just to prevent this nightmare in the future. Bank of American relies way too much on AI and automation and all the different codes. There is a user ID and password to login to your bank account, but separate codes (phone access ID's, access ID PIN numbers, verbal passwords) to give people just to talk to them on the phone. Too many codes! VERY confusing and stressful.