I have the same problem with Chase. Every once and a while I have to have a code emailed to me to gain access even though I use the proper login. Likely they set a cookie when you originally set up the account and it probably gets renewed each time you go through this procedure. Chase, like all banks is security conscious in view of all those hackings that took place. I don't doubt that you have to go through this periodically just because the credentials expire.

-Hal

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