Managing My ING Account with Fidelity Fullview: Mission Impossible?
I have a Yodlee account for a while, but never linked any of my personal account with it. The reason is simple: I am not 100% confident to give all my account numbers, user IDs, and passwords to a company I had no relationship of any kind with, though they seems to be quite popular. Instead, I use Fidelity Fullview, a service that, ironically, is provided by Yodlee! I thought since Fidelity is a well-established company with good reputation, it may be a little bit easier to deal with should anything happen. I know this is not a strong argument, but that's the way how I use Yodlee, through a middle man I can trust.
Anyway, I had my INGDirect account, among other bank, brokerage, loan, credit card, and mutual fund accounts, set up at Fullview, and it was indeed very easy to use. With one click, I can see the latest transactions and balances of all the accounts, though I use the service only a couple of times the most in any month. The connection between my ING account and Fullview started to give me "Incorrect Login Information" since ING rolled out their latest features, including associating my account with a phrase and an image, and some other security questions. I guess I selected 3 that I thought I could easily come up with the answer if the question is presented. And that's exactly the problem: if the question is presented.
Though the connection has been down for a while, I didn't try to fix it until last night. Then I faced an even bigger challenge:
I have no idea which questions I have selected a couple of months ago and definitely don't have answers to all of them. After a couple of failed attempts, I eventually gave up. While I appreciate the measures financial institutions have taken to make sure their customer's accounts are secure, it could be quite a burden to remember not just passwords of dozens of accounts, but also multiple questions/answers associated with each account. If only my home computer is used to access my accounts, I probably won't be bothered by the security questions as the system remembered which computer I used during registration and that is not going to help me keep the answers in my mind. When one day I have to use another computer to access account, it could be long, long process if I am presented with 13 questions and forget which one to answer.
Is there any simple way to avoid the potential headache?
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2 Comments
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You could just buy quicken or money and download the transactions from inside ING. If you have MS Money you can see the status online from anywhere
I do have Quicken and use it to manage my accounts. However, one problem with Quicken is it doesn’t have build-in category to track Treasury bonds and bills. I have to manually enter each transaction. Fullview, though not exactly an account management tool, does give a good view on all accounts at one single place.