Banks are free to establish whatever protocols they may believe are appropriate to prevent fraudulent transactions. Under the Uniform Commercial Code, a bank is financially liable for permitting fraudulent withdrawals from a depositor’s account. It makes perfect sense that a bank wouldn’t publicize what its protocols were.
That is utter bull$#!+. What is "fraudulent" about a free American citizen withdrawing his own money from his own account in the legal tender of the nation? Please explain what the "fraud" is in that.
Start here.