Yesterday the BMO's system went down. Not only could you not access cash at an ATM BUT if you went into the branch, they could not give you any money because it is no longer enough for the staff to know you!
Of course in real banking, the entire issue was being known.
I publish my new Book - You Don't Need a Banker to get Credit - next week. The good news is that the Old fashioned, personal banking is coming back.