And also, phone calling usually involves walking out to the street so I can get reception, yell my social security number in front of a bunch of strangers walking by, and somehow verify my account number and various transactions from my account which I can't do without going back inside, logging in from a computer and checking them, and then having the call dropped because I went inside. Or having my phone battery cop out halfway through being put on hold.

I hate phone calling. It's easier to bike to my property manager's office 12 times to drop off checks than make a single phone call to my bank to set up something that should be doable from a web page.