I have a hard time believing all banks, including local credit unions, will simultaneously adopt this tech. And if they all do, maybe will I have to consider cash after all. But in the meantime, I'll switch to a banking solution that doesn't.

I changed banks when they asked for 2FA.

I'll drive to the fucking bank if I need them.

I have never seen a captcha (much less a third-party service one) on my bank website. And the day I do is the day I walk into a branch and demand all my accounts be closed on the spot so I can take my business somewhere else. I understand the fear, but if the fear comes true, then this is a hill worth dying on. Be prepared to fight. We have to fight.

French banks don't have that kind of external captcha. They are paranoid about it for good reasons. Also fuck Google, they are not worth it.

I deleted my banking app off my phone because it asked me for a selfie lol. I will absolutely switch banks over this.

There's some pretty obvious middle ground before making a deposit to the First National Bank of My Mattress. You could find a different bank that doesn't use those captchas, or even do all your banking in person.

Ppl say this with such conviction but what about your bank website?

Prepaid debit cards exist. Load money at any convenience store. You can even get a routing number/account number for it so you can direct deposit to it. You call a number to check your balance or lock your card.

What if it becomes industry standard and you have no other options?

There's no such thing on the internet. Most lemmy instances with a captcha use hcaptcha or similar since its cheaper (free, in fact), as an example.

I just got a letter regarding my FED tax return. They won't send me a paper check due to an executive order signed by orange hitler. I absolutely do not want the federal government to have access to my bank data considering all the other rights violated along with the constitution. I now have to open a new checking account with $50 so I can get my shitty $50 refund without trump having access to my main account. (What's to keep them from labeling me a terrorist and freezing my accounts? Gonna make that shit as hard as possible.)

...yes? Some of us are really hardline about stuff. I appreciate the convenience of my bank, but I have learned that if you have loyalty of an outside company, business, etc, you are their bitch. Now me, I don't mind being a bitch, but it's for select people. Companies can lick on my balls and suck the dick. I almost closed a credit card with several-thousand dollars in credit because they wanted to verify my person. That was a potential fraud situation though, so after a couple days I decided that is a mutual benefit to keep the card and proceed with the verification.

But this shit? Nah. I've closed other accounts (some financial), for lesser reasoning, in the past.

Banking works just fine without apps and websites. They mail you a statement every month. You have a local branch for deposits and withdrawals. They give you a plastic card you can use to make purchases and withdraw from ATMs.

I will probably first switch banks. Maybe ask EU for anti monopoly?

Fair question, so I'll pop another one, what about a banking app?

I don't think I've ever been with a Dutch bank (or any critical/government service actually) that used captchas.

Some of the smaller online-only banks did start using those weird face videos with the colours for verification though.