The security is just outrageous.
As a computer programmer, I can verify that the interface & usability of the application is good and easy for non-technical users. 

However, their recent increased security has completely destroyed my fond relationship with them. You have to have a working phone to access your account via 2FA. If you lose your phone, you have to wait for a new one and you cannot access your account/make payments & transfers. They completely lock you out of your account.

I understand security but they have taken this way too far. Every payment made on a computer demands that you verify this via your smartphone. Not only this, you have to have an up-to-date smartphone which would be unlikely for elderly users. 

I have an active account but I will close it as soon as possible. I'd recommend anyone reading this to think twice because I'm sure you will find yourself in a situation like mine.