Just paid a small local amount to an online account, and our bank - certified on this transaction, have deployed all sorts of security procedures, I began to wish that I'd just gone round and paid cash...
But of course, they're right, and the security questions were very good and well organised! Good for them and definitely good for us!
BTW, any money you have spare can go to an offshore account 'Growsterbank Inc', and addressed to 'The Growsters', Lagos, Nigeria, where it will all vanish in a flish...