I've been using CITI consumer web banking a lot since there are no branches near home or work (and no time to sit in line). It took some effort figuring out their policy with hardware tokens and get a token that works and is linked to my account / online ID (they mailed me a bunch, none of which was properly configured on their end, till finally one worked). Next challenge - adding a payee. The final step is to enter a code into the token and type the generated response into the website. Apparently, as I struggled through a few months ago - you have to tab out of the window after typing in the numbers, all the way to the Continue button, or something like that. If you just type the code in and click on Continue - it locks you out of using the feature for a few hours. Just got hit with this again today - not fixed. Simply astonishing, unbelievably unprofessional design and implementation. Are those people for real or a bunch of 9 y. olds running the company and IT????