I'm no longer sure of the point of the Password Vault. I used to be able to start my my update and walk away and accomplish things while my transactions downloaded. Now I have to sit there and babysit the thing while the program plays the daily Security Theater routine and makes me login multiple times to multiple accounts requesting and receiving multiple codes, a good portion of which never arrive. I bought this thing to make my life easier, but now I spend as much time on it as I would a regular checkbook.