[inferiorhuman]

I'm actually a customer of Patelco and wouldn't say it's too soon to criticize. They've had multiple widespread outages over the past three or four years and still haven't figured out basic communication stuff.

  Also, this appear to have happened over a weekend, so getting all of
  the employees, vendors, Board of Executives, lawyers awake, on the same
  calls, and come up with the deliverables is much slower than 10a on a
  Tuesday.

I saw some complaints on reddit that this started on Friday. No matter. Patelco is a financial institution with about $9 billion in assets. They can afford to and should have people on call during the off hours. 3–4 days is an unacceptable response time. This isn't some wanky ChatGPT bullshit, this is folks' money.

Security just isn't Patelco's thing. E.g. I've a "passphrase" set on my account and about 1 in 5 tellers actually verifies it before giving me access to my account in person. So far nobody I've talked to over the phone has ever bothered. Their old PC-24 online banking platform did some pretty obviously insecure things, but they've since switched to a "more modern" banking platform. Welp. It's been so long I don't remember why I had a real dim view of the new product, but again if the reddit peanut gallery is to be believed they were sending out credentials and whatnot in plain text. I'm only a member because their computer glitches worked in my favor.

As sloppy as Patelco is, they still give off an air of being more professionally run than some of the other smaller Bay Area credit unions.