This comment is very hard to parse, but after reading it, I feel a general sense of relief that I'll never use Schwab.
Finally I’m know that passphrase is tied to my phone number. Its not perfect but it is as good as any other consumer banks system.
I don’t recommend Schwab but my accounts are as secure as any.
Using just ones voice is bad. Using a phrase is better. Using a phrase that is unique and describes its function may set-off alarm bells for some.
I never connected the phrase with Sneakers.