[RjQoLCOSwiIKfpm]

Forcing your sleep rhythm on people who have a different one than you for no reason other than a moral crusade isn't a nice thing to do.

Also, you cannot make people feel a sense of community with you by annoying them. Annoying someone will make them dislike you.

[dcow]

Well like it or not that's how society works. Name me a community that isn't a <large world city> where things operate 24/7. It annoys me too, but when 97% of everyone observes a normal sleep schedule, who's even around to staff and support the nightlife? Why should my hours be forced upon anybody else?

[lotsofpulp]

Because we are talking about a server, so the marginal cost of operating is basically electricity. And no one is forcing other bank websites to operate 24/7, it just makes economic sense to provide it since it costs so little.

I would not patronize a business that had to regularly shut down their website, I would wonder what kind of weak IT department they have and why I would want to invest in that.

[jackson1442]

Same here. Sometimes I pay my bills at night just because that's convenient for me. If Wells Fargo started locking me out of my account outside of business hours (different from standard maintenance windows) I would immediately run to another bank.

Locking bank websites after hours isn't a great proposition for an increasingly cashless society.

[mbreese]

Or, it self selects out people who would cost more money in support to the bank. If you’re in their time zone (and awake when they are), the bank could save money by only needing to have support available at certain times.

Similarly, they may not want to have you in their community. So, the community they form might be smaller, but more aligned with what they want.

They are definitely reducing their pool of customers, but maybe they are still attracting the customers they want. Why not let the market decide if they can find enough customers with this approach.

Honestly, the banks I use in the US often do something similar. It’s not as bad as this, and only on their online banking site, not their marketing site. They have maintenance windows late at night (in their time zone), and don’t allow logins during that time. It’s not always every night, but it’s often enough that I’ve noticed (at 3-4am).

[jackson1442]

> the bank could save money by only needing to have support available at certain times.

You don't need live support to run a website, you can experience this on most websites that have live support available if you go to their site at 1am local.

[mbreese]

No, but the signal is, “when the website is up, we’re here”.

I can’t say I’d call this a smart move, but if they still have enough customers to make it worthwhile, I can’t say it’s a bad move. Now, if they can’t get customers or can’t grow because of this, the market will tell them it’s a bad idea.

It’s definitely sub-optimal, from a growth point of view. But so long as it works for them and their customers, why should I care?

Are they the only bank for a region? Or is using them required for some purpose?

[jackson1442]

I fail to see how that’s a useful signal.

The IRS does this on their site to get an EIN[0]. I don’t know why, but it’s bad UX and restricts the usefulness of the site.

[0]: https://www.irs.gov/businesses/small-businesses-self-employe...

[xwdv]

People in the optimal time zone will not be annoyed.

[nottorp]

Also, which 12 am? Which 1am?

Even if the OP thinks everyone is on US time, there are like 3 different time zones even over there...