Like many people, I have two retirement accounts: the one at work because of matching funds and the one that is the culmination of past jobs' 401K accounts that got transferred once the job terminated.
About once a quarter I attempt to log into my retirement online accounts to see how they are doing. I say attempt because I always lock myself out of my account because I have so many Fucking userids and passwords to remember.
Unlike normal online accounts, you only get 1-2 chances with Financial Services websites for some reason. Fat-finger a password and they lock you out. And once you reset your password you can never use a previous one again in this lifetime. I'm pretty sure if reincarnation is a thing, they won't let you use the same one in the next lifetime either.
Incorrect information was entered in an attempt to log into your account. To protect your account, we have disabled online access to your account.
You can restore your online access by following the instructions the next time you access Benefits OnLine®. Or you can call at your plan’s toll-free number and authorize a representative to restore your access. We take your online security seriously and will notify you of any changes to your login information.
They sing the "for your security" song but it's really to protect their ass from liability mitigate risk. I'm sure there is some Federal Regulation that mandates this. To which I say have your fucking lobbyist make their congressional whores change it.
Sadly, there isn't anything the average consumer can do about it. I have to continue using the work one for the matching contributions and they all are gonna be the same movie. So I'll call customer support and reset my password to something I won't remember next week, let alone next time the friendly email reminder about quarterly earnings comes in. But I can refuse to buy any of their other expensive add-on services like Financial Planning or Wealth Management.
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