This morning I called the bank and after three tries finally got someone who could fix it. I can now access my account again. But, it took many, many hours of calling the bank, waiting on hold, going through the security questions, explaining what happened. I've complained about their software for many years now, but never had a major problem like this. It frosts me because all of this can be fixed -- and shouldn't have happened in the first place. I think they have interns running their IT. No one could tell me for certain why it happened, either. I'm now looking at other banks, as I have little confidence in this one.