Even my bank accounts are easier to work with then this site.
Excuse me for for putting up a long story but most people are not aware of safety issues considering internet and making payments. And also excuse me for trying to share some experience on a developer website where people are building web shops etc. If I would go to a customer and say "this is all blah blah blah" our team would be out of business.
Internet fraud is the biggest enemy of commercial sites, if your protection fails and customers get ripped your out of business.
One good advice, go to another bank or keep your money in a safe ;)