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So many stores and (all?) banks require two-factor login now, where an SMS sent to a phone is the second factor. How do you cope with this?

by jrmg 1mo ago

zhoBEENG 1mo ago
I do not carry a cellphone, but I own an old one with no data plan that remains off and in a drawer except for when used for things like this. I am not sure I have run into any stores that require 2 factor. Mostly just official stuff like banks.
- doctorwho42 1mo ago
  My work has multiple systems that require 2fa on a regular basis. It's actually quite annoying, and the alternative options to 2fa don't work for every system.
  - XorNot 1mo ago
    The glorious day in the future when Oauth is confined to the dust bin of history and logging in to anything doesn't require a web browser redirecting 10 times.
  - JacobKfromIRC 1mo ago
    Oof, this is a problem at my workplace. Crew [1] and Connecteam [2] (workplace communication apps) both require an SMS code to sign in. Technically, you don't have to have a cell phone, because you can use a VoIP service, but it means that someone who does have a cell phone has to replace it with a VoIP service instead of just getting rid of it. [1] https://crewapp.com/ https://crewapp.com/ [2] https://connecteam.com/ https://connecteam.com/
JacobKfromIRC 1mo ago
Not all banks require SMS. I use Chase bank and the two factors are my debit card and my PIN. I don't use any app, but instead just go to the ATM or talk to a human. Some things, like wiring money, have an extra charge if you don't use the app. A major downside of this is that if someone did figure out how to withdraw a bunch of my money from my account, I wouldn't notice until I go to the bank, which I only do once per month or so. I wish my bank had an option to send me an email on every transaction, but as is I have to go to the ATM and request an email with the recent transaction info. Partially as a result of this limitation, and partially because I enjoy playing the "Where's George?" game (which involves using cash), I pay for everything with cash and only use my debit card for withdrawing cash. I've heard that it's possible to get an ATM-only card for this purpose, so I will probably do that eventually, so that if someone gets my card information they will not be able to make online transactions.

So many stores and (all?) banks require two-factor login now, where an SMS sent to a phone is the second factor. How do you cope with this?

by jrmg 1mo ago

So many stores and (all?) banks require two-factor login now, where an SMS sent to a phone is the second factor. How do you cope with this?

zhoBEENG 1mo ago

I do not carry a cellphone, but I own an old one with no data plan that remains off and in a drawer except for when used for things like this. I am not sure I have run into any stores that require 2 factor. Mostly just official stuff like banks.

doctorwho42 1mo ago
My work has multiple systems that require 2fa on a regular basis. It's actually quite annoying, and the alternative options to 2fa don't work for every system.
- XorNot 1mo ago
  The glorious day in the future when Oauth is confined to the dust bin of history and logging in to anything doesn't require a web browser redirecting 10 times.
- JacobKfromIRC 1mo ago
  Oof, this is a problem at my workplace. Crew [1] and Connecteam [2] (workplace communication apps) both require an SMS code to sign in. Technically, you don't have to have a cell phone, because you can use a VoIP service, but it means that someone who does have a cell phone has to replace it with a VoIP service instead of just getting rid of it. [1] https://crewapp.com/ https://crewapp.com/ [2] https://connecteam.com/ https://connecteam.com/

JacobKfromIRC 1mo ago

Not all banks require SMS. I use Chase bank and the two factors are my debit card and my PIN. I don't use any app, but instead just go to the ATM or talk to a human. Some things, like wiring money, have an extra charge if you don't use the app. A major downside of this is that if someone did figure out how to withdraw a bunch of my money from my account, I wouldn't notice until I go to the bank, which I only do once per month or so. I wish my bank had an option to send me an email on every transaction, but as is I have to go to the ATM and request an email with the recent transaction info. Partially as a result of this limitation, and partially because I enjoy playing the "Where's George?" game (which involves using cash), I pay for everything with cash and only use my debit card for withdrawing cash. I've heard that it's possible to get an ATM-only card for this purpose, so I will probably do that eventually, so that if someone gets my card information they will not be able to make online transactions.