I recently contacted my bank in Texas, and requested that they change my billing address. I sent this request in an email via the bank’s secure and authenticated online banking web site. A day later, I received a reply stating that the change-of-address request had to be submitted in writing, and that a fax would suffice.
So a fax, which can easily be forged and can even been sent from a computer, is acceptable as proof that the request comes from me; but an authenticated email, sent via the bank’s own secure online banking system, is not.
This is insane.