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They fool themselves into thinking their accounts are kept differently...
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JSOP avoids online banking by walking into a branch armed to the teeth and asking politely for some cash.
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Officer, I came into the bank and handed the teller a note that said "Give me all of my money." I don't know why she triggered the alarm, but then again, I don't remember having $250k either.
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I agree with you about the online backup, especially with sensitive data. But why online banking? Do you realy run to your bank with every transaction you have to do? Do you have time for it?
Connection is always encrypted and as long as you don't use public computers it is not more dangerous than using credit card in a shop next door.
--
"My software never has bugs. It just develops random features."
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View my post. His offline bank records are probably online anyways. It's a pointless exercise of paranoia.
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wizardzz wrote: His offline bank records are probably online anyways
Perhaps the difference is where the liability lies. If I fall for a phishing attack or my machine is compromised, chances are it will be difficult at best to have my funds replaced.
If the bank effs up, it is they who will need to do the dance.
I still do most of my banking through ATM or walk up. Can I still get thumped and have my cash taken? Sure, but at least I have the opportunity to chase the S.O.B. down and beat it out of him. If he's over in some eastern bloc nation...
It was broke, so I fixed it.
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Phishing? That's what the fear of online banking stems from? 
Given the prevalence of ATM skimmers, and people I know who have been effected by them firsthand, don't consider yourself much safer.
S Houghtelin wrote: If the bank effs up, it is they who will need to do the dance.
If they disclose they have effed up. And if they do, the damage will be brutal, regardless of who has to fix it.
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wizardzz wrote: Phishing? That's what the fear of online banking stems from?
Hypothetically speaking.
You or I may not fall for something like that, but Gramma and thousands other not so computer savvy people do every day. And it is difficult and time consuming to attempt to have your funds replaced.
wizardzz wrote: ATM skimmers
Are still local and within the jurisdiction of this country to prosecute.
I'm not looking for a debate just pointing out that online offline banking you're still vulnerable to scum, either way education goes a long way to preventing theft.
It was broke, so I fixed it.
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S Houghtelin wrote: Are still local and within the jurisdiction of this country to prosecute.
Yet, none of them have had funds recovered or had the perps prosecuted.
I'll just say this, the only people fearful of online banking for phishing, should probably avoid e-mail and the internet at large.
For a developer like JSOP to criticize people that use online banking and classify them with those that use online password software, etc, is embarrassing.
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The only transactions I "have to do" are ATM withdrawals. Last I checked, that still can't be done online.
".45 ACP - because shooting twice is just silly" - JSOP, 2010
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You can never have too much ammo - unless you're swimming, or on fire. - JSOP, 2010
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"Why don't you tie a kerosene-soaked rag around your ankles so the ants won't climb up and eat your candy ass." - Dale Earnhardt, 1997
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I do not understand why people need to do this for 2 reasons.
1) The human brain can store a lot of data. Sure, I've had a brain fart regarding passwords before but the reset process is simple.
2) You keep your physical wallet secure, or your important physical documents, so why not have your backup be a physical backup. Don't even write them as plain text, shift them to one character previous. If someone found it, they likely won't even know what they are looking at.
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wizardzz wrote: shift them to one character previous. If someone found it, they likely won't even know what they are looking at
That's basically what I do. I keep a physical copy of my most dangerous passwords, but I don't write them out plainly. I write them as logic puzzles and hints.
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I think that's generally the way to do it.
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I used to do this... now I keep an encrypted database and use a manager. If I ever suspect it has been compromised, I can easily change all of the passwords quickly and make a new database.
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I do the same (KeePass); however, there are just some passwords that I won't put in digital form.
For example, the password to access the encrypted password database. Or my bank account.
Albert Holguin wrote: I can easily change all of the passwords quickly
That would probably take me days. 
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AspDotNetDev wrote: the password to access the encrypted password database.
Well, no... this is the only one I have to remember.
AspDotNetDev wrote: That would probably take me days
How many pron websites are you a member to!? 
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Hundreds.
I also have like 10 nonpron accounts.
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