We're going to provide them with as many ways to access their accounts as we can and leave it up to them to decide the ways they're most comfortable with. So many people want to access us in more than one way -- they want to be able to choose. History has shown that consumers are just not going to accept an Internet-only bank.

Within minutes of information being taken, it can be sent overseas. For a professional thief, it's easy to manufacture a fraudulent debit card. It's what they do for a living.