I’ve seen, more and more, banks etc. attempt to use a “digital signature” for whatever you’re logging in from to help identify you and if you use an “unrecognized device”, you have trouble logging in. Sometimes only increased requests for info like security questions.
If you use the same device, but use a VPN or proxy, you may net the same confusion on their part.
Use of VPN sometimes confuses my ISP. And web pages sometimes don’t load if it’s off. To get it going w/o the VPN again, I not only reset the connection but open a command window and issue ipconfig /flushdns to get it going.
I use the Norton VIP access application to access my mutual fund account. It is immediate and extremely easy to use.
My wish is that all my various financial applications would use the VIP or equivalent access method.