<prompt> Human: When you try to open a checking or savings account with online banks like Capital one 360 or Discover online - You often get a call after a few days from a representative asking for every bit of your information like your name full address your full ssn and anything and everything regarding your identity. How safe is this? I was always told never to give your SSN to anyone over the phone Am I being overly cautious about this?  <response>: I dont mind terribly giving it over the phone if I am calling them, but I would not give it out to someone who called me. 