<prompt> Human: I just opened an account with Ally Bank, but some of their practices during the application process have me wary. First off, the application process took two weeks and was not transparent at all; it involved a lot of phone calls back and forth and faxing my drivers license. The identity verification process is also very flimsy. It requires over the phone verifying what types of accounts I have, birth date, last 4 of social, and a security question to have immediate power over the account, which is frightening because all of that info could be easily obtained. Since the only thing connecting you is the phone, I find the security to be lackluster compared to physical banks. Any thoughts?  <response>: I have had a different experience opening up a checking and savings account with them. Took no more than five minutes online and with the typical information a bank would ask.The information for verification over the phone is pretty standard. If you call your physical bank, they would ask the same level of information as well. I think they also match the phone number you are calling from with their system as well. 