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A comment on Ask HN: A major USA bank is storing passwords in cleartext – what to do?. Parent comment

Re:Ask HN: A major USA bank is storing passwords in cleartex... by kitd on Tuesday February 18, 2020 @11:17AM (#22357084)
My UK bank has a "memorable word" which is separate from the login mechanism (which uses a physical TOTP pad). Authorising online transactions requires you to give "3rd, 6th & 10th letters" eg of your memorable word.

Are you thinking of that?

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