Comments on: Keylogging programs gain sophistication

by: Laura Lehrman

Tue, 02 Dec 2008 13:43:32 +0000

this is an impossible situation
I want to access my account
I can't
I got the card re-sent and now am trying yet again….
is this worth it?, I wonder
probably not
my time is more valuable than this

by: Patience

Tue, 29 Apr 2008 01:01:24 +0000

I'm with Crista– the Access Card seems like a bigger pain than it's worth. I hate feeling like I have to become a character in "The Matrix" in order to log in to my account! The annoyance of needing to find the card every time I want to do a transaction makes me actively not want to go visit TreasuryDirect, which would seem to be the opposite of what you would want from a security system.

by: Tom Adams

Thu, 17 Apr 2008 13:36:07 +0000

Hi Ken - To add or change a bank account for transferring funds from your TreasuryDirect account, you need a form you can only get when logged into TreasuryDirect (at "Manage Direct > Bank Change Form Request").

You need to download, print out, and take it to your bank to have your signature certified (the same as with paper bonds). It's called Form PD F 5512 E.

Tom Adams

by: Ken

Thu, 17 Apr 2008 12:31:08 +0000

I noticed the following security change for managing your savings bond accounts:

Transactions Requiring Paper Forms: For your protection, changes to your bank information and certain security transfers require the submission of a signed and certified paper form.

I haven't tried changing my bank info for over 3 years, but it looks like that may require a lot of hassles now. Although, it should make it a lot harder for a hacker to clean out one's account. Do you have any more information on this process? What is a certified paper form?

by: Crista

Tue, 01 Jan 2008 04:03:46 +0000

If you ask me, the TD Access Card is a ROYAL PAIN IN THE RECTUM. I hate it - but thanks to low interest rates, I am not doing much with TD.

They sent a message to my TD account - which I did not log into - in September that they were mailing me the card. I never received the card. I never logged into the account and I never got their message they were sending me a card. Fast forward to November which is the first time I tried to access my account since August. No dice. It wants the info from the security card they "sent" me that never arrived.
There was no way to access my own account. I have to find a phone # (good luck on that) - contact them. They will send another card. Wait. Then can log in. This is BS.

I travel a lot - domestic and overseas. I will NOT carry this card with me. What will I do? Copy the info that is on the card electronically into my computer. How secure is that? This whole setup is just BS.

by: Tom Adams

Tue, 04 Dec 2007 14:58:24 +0000

Bill - It makes sense when you log in. The login process presents you with three row-column coordinates and you enter what's on your card at those positions.

Your card is different from other people's cards and the TD computer knows what's on your card. So basically you have to have the card in your possession to log in.

The cards are being sent to all TD account holders, although they're doing some each month and it may be a year or so before everyone has them.

Tom Adams