[deegles]

I believe it is there so that you don't accidentally lock someone else out of their account if you enter in your username incorrectly (which I have done!)

[tvmalsv]

I had an account with ING Direct and when I created it they asked me what I would like to name it, so I simply entered "checking". Little did I know that you could also use that name as your login name (I always logged in using my account #, I thought the account name was just for display).

Took a few weeks to figure out why I kept getting locked out. Turns out the username "checking" is a pretty popular guess.