Similar experience — maybe worse — helping my 87 YO uncle set up automatic payments from their joint Chase account to his wife’s nursing home. After much of the same BS as below, got in, set up autopay, seemed to take but was rejected the next day. Did this SIX times, one of which was his local (in person) banker doing it herself, still rejected.
And his 2FA was to his land line so every time, we had to hang up for him to get the code and call back.
Eventually gave up, moved the funds to a different bank which they also wouldn’t do online, so he had to pick up a cashier’s check and drive it to the new bank.
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