Great idea - I have been thinking something similar recently that there needs to be more human contact in security issues. As in th eold days in banks for example, the bank clerks knew customers faces, families etc. Today we are alla number and no one know Jack from Jane. A psychopaths dream
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We bank with a smaller local bank and they know me when I walk in. Been with them for 12 years now. A couple years ago they got bought out by a larger small bank and I was worried. But they kept on the same staff so it hasn't changed much except how long it takes them to find my account number for me. Love feeling like an important customer and probably give up some features other larger banks offer....but honestly I wouldn't use those features anyways.