Obsolescence oversight?

We have been loyal clients of this bank since the early 1990s when we opened an account with another bank and stayed when the two banks merged. Many things to like and a few to dislike, but we saw no reason to move banks for probably close to 35 years.

- CITO BELTRAN

However, this year we started having issues. I don't like the idea that if I ever lost my phone, it would have banking apps on it, so I never downloaded the bank app.

We used to access our accounts through the website, which required an OTP (onetime password) sent to my phone to confirm identity before being able to securely login.

All of a sudden a couple of months ago, we were unable to log in through the website as we were told it now required a Mobile Key generated through the mobile app instead of an OTP.

After some discussions with customer service, it appeared that the bank was not giving us a choice, but basically forcing us to start using the app.

As I still dislike the idea of carrying around banking apps outside of the house where there is a higher chance of my phone being lost/stolen, we grudgingly decided to put the app on an old phone, an iPhone 7, which was always left at home.

This worked well for us until Monday morning when we tried to open the app only to be told we had to update it. However, the new app requires iOS 16.0, and an iPhone 7 can only be updated as far as iOS 15.8, so the app will no longer work for us unless we get a newer phone.