>even if your bank offers multi-factor authentication as part of its login process
All of my banks have security questions. This protects me by combining a password with some other passwords that are public information and that I can't change.
All of my banks have security questions. This protects me by combining a password with some other passwords that are public information and that I can't change.
I recommend using something like Bitwarden's passphrase generator so all your answers are things like `concise myth bird`.
This way they are A: actually secure, and B: easily pronounceable, so that just saying "a bunch of letters and numbers" to a phone tech shouldn't work as I've heard people complain can happen when using normal passwords (e.g., c9b21s1qzs) for these fields.
Irrelevant. These are only security questions. They can be anything, and in fact, for most of them they are not supposed to know.
If you are applying for one of their products and you get a form, and THEN you provide false information, it's a different matter.