Nick became a customer of Bank of America since 2003, and hasn’t had any major issues, so he has stuck with them. Until now. He works in Afghanistan, and needed to wire some money to his mother. No problem! He just needed to sign up for a free program that lets customers prove their identities before transferring huge sums of money. Free if you’re in the United States and own a smartphone, that is – otherwise he would have to pay $20 for a physical card and wait for it to slowly meander through the military mail system.