I've switched banks a few times recently, and am amazed at how poorly programmed some of the online banking websites are.
EXAMPLE 1: 'Make Payment' takes you to a screen that asks which of your one accounts you wish to make a payment from. To make the choice, you have to select the account from the drop-down menu containing one account, and then click 'Go'. That's three unnecessary actions.
EXAMPLE 2: 'Make Transfer' takes you to an error message. That's bad enough. But this error message contains a hyphenated word. The secure messaging of the internet banking then won't let you quote the message to point out the mistake because it contains a hyphen. Oh, and it won't allow speech marks either.