I like the idea of a limited mobile spend. Right now mine is unlimited and I all but swallow the phone when I go out. A grand would be a good spendy limit.
I've got a 5 figure screen lock and 5 figure entry into the bank, but that of course doesn't equal 5 X 5.
One of my other banks wrote me a formal letter this week saying I hadn't logged in for fifty-odd days. Would I like a written statement? I logged in, but won't again as such letters are the only ones I get these days.