Ally Bank changes security procedures

You know how it goes the when calling the bank, you have to answer "security" questions before you are able to get information about your account. I normally don't mind going through the process of answering the questions which to me seem to be common knowledge. Name, last 4 of social security number, date of birth, etc. The procedure is different for every financial institution. Some like ING Direct (who was recently brought by Captial One Bank) only have you enter a personal PIN code instead of answering questions. Credit Unions I have found keep a very simple approach and usually only confirm account number and mother maiden name.

Recently I discovered that Ally Bank had decided to change the security procedures from answering four security questions to include a fifth question for verification. While it may not seem like allot to answer one more question, the question does come to mind how much is too much especially when all I need is to check my balance. After passing the test to access my account I happen to inquire about what would have happen if I had gotten a question wrong? The representative of the was kind enough to explain that depending on which question I missed my account would have been "locked" down preventing me from accessing the account at all. That would block all transactions as well. I would then have to wait "24 to 48 hours" for someone to contact me to lift the restrictions. I sure would hate to be the person waiting to get access to my money due to my bank not being able to respond quick enough.

While I do believe in the security of  my account and information, I wonder where the line is crossed between my security and the convenience to the customer?