>with much trepidation
And rightfully so.
Did you know that even the Feds can't get US Banks to disclose when they've been hacked? Banks have decided that the bad public relations (and run on their assets) is worse, so they paper over the breach. Note, too, that if you have any business accounts online, they have absolutely no legal protection. So far, banks -usually, but not always- cover the losses but it's at their discretion.