Léonie said: "If you are given a lower level of protection against fraud than your sighted counterparts, how are you not at a disadvantage?" This is what the bank did say: "Any customers that are not able to use the ACD device will be able to continue to use memorable information to log on with. When using our Internet Banking service you will be covered under our Online Fraud Guarantee as long as you've been careful, for example, by taking reasonable steps to keep your security information safe. This guarantee would apply to your accounts regardless of the above method you were logging on with." So how would customer be at a disadvantage? End of day the blind customer will be treated same as the sighted customer as far as fraud goes. Same as chip and signature customers. Regards, Derek e-mail: derek.hornby_uk@xxxxxxxxxxxxxxx ** To leave the list, click on the immediately-following link:- ** [mailto:access-uk-request@xxxxxxxxxxxxx?subject=unsubscribe] ** If this link doesn't work then send a message to: ** access-uk-request@xxxxxxxxxxxxx ** and in the Subject line type ** unsubscribe ** For other list commands such as vacation mode, click on the ** immediately-following link:- ** [mailto:access-uk-request@xxxxxxxxxxxxx?subject=faq] ** or send a message, to ** access-uk-request@xxxxxxxxxxxxx with the Subject:- faq