I don't really care the cause. A bank is a huge place liable to all kinds of attacks on its systems. I expect the bank to be able to cope. Especially given the profits made on holding that money in the first place.
At the end of the day, I have a HSBC account that I can't get into online or by the mobile app (despite it pretending to let me for much of the time, but as soon as you get to the interesting bits, even post-authentication, it just errors and stops). This is coming up to a week of downtime this month as far as I'm concerned. That's ATROCIOUS, and some of it through self-admitted error.
Sure, my card may or may not still work with them - but if the attack is widespread how long until they stop working as well? And you stopped me going into a bank when you replaced all the tellers with mindless drones telling me to use expensive new machines that don't do the things I want. That's if I wasn't put off by you LAUGHING IN MY FACE when I applied for a mortgage. I went, quite literally, next door, got a mortgage with barely a query, paid every month on-time for years, then cashed out and paid it off (with a tiny profit) only a couple of years later.
I am actually running out of "high-street" banks (not that high-street is a factor nowadays, just a name) with which I haven't had bad experiences with. I think the Halifax is literally the only one left and even their owner-group may have other brands that are already on my blacklist.
It's not hard. I want you to hold onto my salary until I spend it. For which you can invest my cash. I want you to give me a bit of plastic that let's me spend it, where I generally have the retailer pay a couple of percent per transaction for your trouble.
I don't want overdraft-traps (just cancel the fecking transaction if I don't have the money). I don't want stupid fees for handling bits of paper (when you're STILL sending me the same paper letter every month, saying that you don't have my email for paperless statements, when my online account quite clearly has the email specified and the box ticked - I've given up chasing that after over a year).
And then you can take my savings and gamble them for your own gain. I don't even want interest. It's so pathetic it's not worth the time and effort to apply (honestly, invest £1000, don't touch it for a year, and at absolute best using rates that don't even exist on the high-street any more you might get £1005 back next year - what's the point?). I don't want to pay a monthly fee but I'd even accept a less-than-£5 one for the cost of managing my account if you also got rid of the travel insurance and whatever other junk "perks" you shove into the £25 a month one.
I don't need a branch. I haven't used one in years.
I don't need cheque facilities. I haven't used one in years.
What I'd be really happy with, though, would be a text for EVERY transaction, like my girlfriend's Italian bank does (to the point that we realised B&Q had double-charged her father's Italian card used in an English shop before we'd even made it out of the exit!). Hell, I'd pay the £25 a month just for that!
Banks provide nothing of value to me any more, and the bits they do provide (e.g. online banking) are starting to just be inaccessible through incompetence. Luckily I have nothing urgent needing paying, but that's sheer chance of the timing, nothing else.
I am about >< this close to just closing accounts and moving to pre-pay credit cards. You can have your salary put on them, they charge a reasonable percentage, you get no hassle, and you can do all your bill-paying and shopping as you normally would, online or in-store. Sure, there's a fee, but it's generally LESS than the banks charge for current accounts nowadays! That's just a ridiculous scenario. A company DOING NOTHING but handling the credit card with my money can charge less than my bank that's supposed to be investing everybody's money that they hold, with all their savings.
I've already moved a savings account to another bank, just to gauge their service level. It's only a week under the switch-guarantee scheme to move everything over and I don't have to do anything or phone anyone, just apply online and it happens.
If you can't secure your stuff, HSBC, I'll save you the hassle. Because it's ridiculous that I can't even check balances despite going through authentication because your system just falls over.