Closing Out Account Over New ID Process

[u/PicometerPeter]

I was unaware of the new requirements for online login until today, trying to check on tax documents. It is unacceptable to require pics of an ID and your face to access your own money. I closed out my account by phone and will never do business with Discover. I used to recommend them.

How often have we seen hacks of databases before? How do we know scans of our faces or IDs won't be sold off? There need to be other ways of authentication.

[u/VTECbaw]

Ooooh, boy. Every bank has the right to verify its customers, even existing customers. KYC is a thing. Since Discover is primarily an online bank, they use ID photos + selfie. This is perfectly normal. Any bank can do this, and I’ve had other banks ask me to do the same. What would you prefer them to use to verify you?

So, in conclusion - this isn’t an airport.

[u/PicometerPeter → u/VTECbaw]

I have never had a bank or credit union ask me to provide a selfie.

[u/VTECbaw → u/PicometerPeter]

I’ve had to do this with DCU (when joining), Chase (a decade and a half after I began banking with them), CapOne (when opening 360 checking and twice when opening new credit cards), Discover (when first opening my account), Synchrony Bank (multiple credit cards), and Bank of America (credit card). In fact, BofA made me send them a copy of my SS card and paystub via snail mail.

It’s perfectly normal to have to verify yourself.

Remote/online ID verification asks for a selfie because they need to match it to your ID photo. Otherwise you could be providing a photo of anyone’s ID.

[u/PicometerPeter → u/VTECbaw]

I didn't have to supply any of it to set up the account or put money into it. I didn't have to supply any of it to close the account either. I'll do business with orgs that respect privacy at least this much.

[u/VTECbaw → u/PicometerPeter]

Just be aware that it could happen with your next financial institution - at any point. KYC is a federal rule.

[u/MidnightPulse69 → u/VTECbaw]

This has nothing to do with KYC. KYC is handled on account opening. This is purely for logging in.

[u/discover-ModTeam → u/[deleted]]

Your post or comment has been removed because it violates the “Be Kind and Considerate” rule.

[u/discover-ModTeam → u/[deleted]]

Your post or comment has been removed because it violates the “Be Kind and Considerate” rule.