> Anytime I have to open an account, add a joint account holder, change my address or, less commonly, my cell number there is a request to send clear text sensitive documents over email to establish identity
This is not true. Any of those operations require that you are ALREADY logged in to your account using a username/password that you set up previously. If you do not have access to the online account, then your only way to transact is to actually visit a branch of the bank with your proof of identity (such as a passport or aadhaar card).
This is not true. Any of those operations require that you are ALREADY logged in to your account using a username/password that you set up previously. If you do not have access to the online account, then your only way to transact is to actually visit a branch of the bank with your proof of identity (such as a passport or aadhaar card).