Some may treat these as an inconvenience or annoyance, but I think it’s a sign of rot. And it may run a lot deeper. Unfortunately I feel like most financial institutions have terrible websites and practices in general, so I don’t know if switching will let you avoid problems.

Email is not a core competency of banks. They are actually pretty good at snail mail though.

The rot goes deeper because for every story like this there were hundreds of people involved in making it happen. Some by choice, some less so but rot nontheless.