Originally Posted by
nerd
After I enter my UserID at BofA.com, it then shows me a graphic I'd previously selected, as well as a phrase below it that I'd hand entered. If that doesn't appear, then I know something is wrong.
When was the last time you logged into BofA? What you described is their old system that they have been migrating off for some time - as far as I'm aware it's no longer in use at all. When I go to BofA now I see a username/password box on the homepage.