Is it possible to disable online access to Vanguard?

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Blue456
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Is it possible to disable online access to Vanguard?

Post by Blue456 »

For those who have Vanguard, I have few questions.

Does Vanguard allow to disable online access? I would like to buy Vanguard Total World Stock (VT), set up automatic investment from external checking account and lock out online access. I am mostly worried about security and I would like everything to be done offline.

Also is it possible to have tax documents mailed?
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Re: Is it possible to disable online access to Vanguard?

Post by livesoft »

One can lock themselves out of most online accounts by repeated attempts to login with the wrong password, so that's probably possible. That's probably a good way to go with places that answer their phones 24/7, but Vanguard is not one of those places.
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Cheez-It Guy
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Re: Is it possible to disable online access to Vanguard?

Post by Cheez-It Guy »

It is possible to have tax documents mailed.

Not sure about completely disabling online access. If possible, with the direction things are headed, it seems like this would make it increasingly difficult and frustrating to get anything done.
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Re: Is it possible to disable online access to Vanguard?

Post by abuss368 »

Not sure I would want to do that. I guess I could always enter the password wrong multiple times and be forced out!
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Blue456
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Re: Is it possible to disable online access to Vanguard?

Post by Blue456 »

Cheez-It Guy wrote: Sat Aug 01, 2020 9:44 am It is possible to have tax documents mailed.

Not sure about completely disabling online access. If possible, with the direction things are headed, it seems like this would make it increasingly difficult and frustrating to get anything done.
How do you re-enable online access? What proof does Vanguard require to validate your identity?
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Cheez-It Guy
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Re: Is it possible to disable online access to Vanguard?

Post by Cheez-It Guy »

Blue456 wrote: Sat Aug 01, 2020 10:02 am
Cheez-It Guy wrote: Sat Aug 01, 2020 9:44 am It is possible to have tax documents mailed.

Not sure about completely disabling online access. If possible, with the direction things are headed, it seems like this would make it increasingly difficult and frustrating to get anything done.
How do you re-enable online access? What proof does Vanguard require to validate your identity?
Sorry. Perhaps I wasn't clear. I don't know how to do this or whether it is even possible. I was just considering that if it WERE possible, it might cause more headaches than you anticipate.

Or are you just taking about purposely getting yourself locked out?
Normchad
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Re: Is it possible to disable online access to Vanguard?

Post by Normchad »

I would personally like it if Vanguard offered this feature. I want to "opt out" of all electronic access. This would provide an extra measure of fraud protection.

To re-enable, I am willing to have to travel to a physical Vanguard office, and provide passport, paper statements, whatever to prove to them that I am actually me.

I don't want for it to be possible to re-enable it over the phone.
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Blue456
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Re: Is it possible to disable online access to Vanguard?

Post by Blue456 »

Cheez-It Guy wrote: Sat Aug 01, 2020 10:07 am
Blue456 wrote: Sat Aug 01, 2020 10:02 am
Cheez-It Guy wrote: Sat Aug 01, 2020 9:44 am It is possible to have tax documents mailed.

Not sure about completely disabling online access. If possible, with the direction things are headed, it seems like this would make it increasingly difficult and frustrating to get anything done.
How do you re-enable online access? What proof does Vanguard require to validate your identity?
Sorry. Perhaps I wasn't clear. I don't know how to do this or whether it is even possible. I was just considering that if it WERE possible, it might cause more headaches than you anticipate.

Or are you just taking about purposely getting yourself locked out?
I want all electronic access and preferably phone access fully disabled with the only way to access my account via going to physical location or going through public notary or some other secure way.
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Re: Is it possible to disable online access to Vanguard?

Post by Silverado »

Blue456 wrote: Sat Aug 01, 2020 9:41 am
Also is it possible to have tax documents mailed?
So much for security.
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Blue456
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Re: Is it possible to disable online access to Vanguard?

Post by Blue456 »

Normchad wrote: Sat Aug 01, 2020 10:11 am To re-enable, I am willing to have to travel to a physical Vanguard office.
I don't want for it to be possible to re-enable it over the phone.
That is what I am looking for.
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Blue456
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Re: Is it possible to disable online access to Vanguard?

Post by Blue456 »

Silverado wrote: Sat Aug 01, 2020 10:23 am
Blue456 wrote: Sat Aug 01, 2020 9:41 am
Also is it possible to have tax documents mailed?
So much for security.
You need physical access to my mailbox. Feels secure enough.
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Re: Is it possible to disable online access to Vanguard?

Post by Silverado »

Blue456 wrote: Sat Aug 01, 2020 10:19 am
Cheez-It Guy wrote: Sat Aug 01, 2020 10:07 am
Blue456 wrote: Sat Aug 01, 2020 10:02 am
Cheez-It Guy wrote: Sat Aug 01, 2020 9:44 am It is possible to have tax documents mailed.

Not sure about completely disabling online access. If possible, with the direction things are headed, it seems like this would make it increasingly difficult and frustrating to get anything done.
How do you re-enable online access? What proof does Vanguard require to validate your identity?
Sorry. Perhaps I wasn't clear. I don't know how to do this or whether it is even possible. I was just considering that if it WERE possible, it might cause more headaches than you anticipate.

Or are you just taking about purposely getting yourself locked out?
I want all electronic access and preferably phone access fully disabled with the only way to access my account via going to physical location or going through public notary or some other secure way.
None of what you said is secure. Shawshank Redemption taught me that. Fake IDs are so cheap.

No matter what, your accounts will have electronic access. The CSR in the physical location will be on a computer accessing your info on some server via a network.
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Re: Is it possible to disable online access to Vanguard?

Post by Silverado »

Blue456 wrote: Sat Aug 01, 2020 10:25 am
Silverado wrote: Sat Aug 01, 2020 10:23 am
Blue456 wrote: Sat Aug 01, 2020 9:41 am
Also is it possible to have tax documents mailed?
So much for security.
You need physical access to my mailbox. Feels secure enough.
Or any place in the chain.USPS likely not adding security since they are broke.

But call Vanguard and ask. Bet you can disable it. Might be terrible surprise when you walk in and find zero balance and the thief has a long head start.
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Blue456
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Re: Is it possible to disable online access to Vanguard?

Post by Blue456 »

Silverado wrote: Sat Aug 01, 2020 10:31 am
Blue456 wrote: Sat Aug 01, 2020 10:25 am
Silverado wrote: Sat Aug 01, 2020 10:23 am
Blue456 wrote: Sat Aug 01, 2020 9:41 am
Also is it possible to have tax documents mailed?
So much for security.
You need physical access to my mailbox. Feels secure enough.
Or any place in the chain.USPS likely not adding security since they are broke.

But call Vanguard and ask. Bet you can disable it. Might be terrible surprise when you walk in and find zero balance and the thief has a long head start.
You can monitor monthly statements no?
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Cheez-It Guy
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Re: Is it possible to disable online access to Vanguard?

Post by Cheez-It Guy »

Vanguard does not have client-accessible physical locations. They have a headquarters in PA and call centers in NC and AZ.
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Re: Is it possible to disable online access to Vanguard?

Post by Broken Man 1999 »

Blue456 wrote: Sat Aug 01, 2020 10:24 am
Normchad wrote: Sat Aug 01, 2020 10:11 am To re-enable, I am willing to have to travel to a physical Vanguard office.
I don't want for it to be possible to re-enable it over the phone.
That is what I am looking for.
Ummm, you two do know Vanguard has very few offices. Are you both near one?

Seems a major overkill with a ginormous amout of aggrevation to me, but do what you gotta do.

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Re: Is it possible to disable online access to Vanguard?

Post by stan1 »

Blue456 wrote: Sat Aug 01, 2020 9:41 am Also is it possible to have tax documents mailed?
Why do you believe US Mail to be more secure than downloading a tax document? There are different vulnerabilities. I get someone else's mail in my mail box at least a few times per year. Have never had anyone make an unauthorized transaction in my Vanguard account (or any online account for that matter). Vulnerability at Vanguard are insider threats from rogue employees or social engineering to gain privileged access such as recent Twitter hack. Disabling web login protects from neither.
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Re: Is it possible to disable online access to Vanguard?

Post by HomerJ »

You can set up your account so you can only log on from "recognized" computers... i.e. computers that have logged onto your account before.

I assume it uses cookies for this.

Not sure how secure that is.

But someone stealing your username/password would also have to use your own computer to log on.

Although I guess malware on your PC that steals your password could also probably steal those cookies.
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Re: Is it possible to disable online access to Vanguard?

Post by Normchad »

HomerJ wrote: Sat Aug 01, 2020 10:55 am You can set up your account so you can only log on from "recognized" computers... i.e. computers that have logged onto your account before.

I assume it uses cookies for this.

Not sure how secure that is.

But someone stealing your username/password would also have to use your own computer to log on.

Although I guess malware on your PC that steals your password could also probably steal those cookies.
Unfortunately, the Vanguard 2FA is weak, relying on SMS.

I get that most people don’t want this. But some do, I wish they would offer it.

To me, it would be worth the inconvenience. I don’t mind making investments by mail. And in the 20+ years I’ve been with vanguard, I’ve never made a withdrawal. I specfically want for it to be very hard and inconvenient to make withdrawals.

I’m personally willing to drive to Valley Forge some day in the future to get my money out.
Last edited by Normchad on Sat Aug 01, 2020 11:01 am, edited 1 time in total.
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Re: Is it possible to disable online access to Vanguard?

Post by vineviz »

Normchad wrote: Sat Aug 01, 2020 10:11 am I would personally like it if Vanguard offered this feature. I want to "opt out" of all electronic access. This would provide an extra measure of fraud protection.
I’m not at all sure that relying on the USPS makes one less susceptible to fraud than relying on an encrypted website.

Seems like identity theft and mail fraud were happening before the emergence of online brokers.
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Re: Is it possible to disable online access to Vanguard?

Post by Normchad »

vineviz wrote: Sat Aug 01, 2020 11:00 am
Normchad wrote: Sat Aug 01, 2020 10:11 am I would personally like it if Vanguard offered this feature. I want to "opt out" of all electronic access. This would provide an extra measure of fraud protection.
I’m not at all sure that relying on the USPS makes one less susceptible to fraud than relying on an encrypted website.

Seems like identity theft and mail fraud were happening before the emergence of online brokers.
It doesn’t 100% prevent it. But I think it makes it much less likely. Certainly people won’t come from overseas to try to do this when they have millions of other accounts they can carpet bomb electronically. It eliminates some forms of attacks. So I’d have the same mail/CSR exposure that you do, but I would not have the electronic exposure.

But again the question is, should Vanguard offer this? I don’t see why they wouldn’t.
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Re: Is it possible to disable online access to Vanguard?

Post by beernutz »

Normchad wrote: Sat Aug 01, 2020 11:00 am
HomerJ wrote: Sat Aug 01, 2020 10:55 am You can set up your account so you can only log on from "recognized" computers... i.e. computers that have logged onto your account before.

I assume it uses cookies for this.

Not sure how secure that is.

But someone stealing your username/password would also have to use your own computer to log on.

Although I guess malware on your PC that steals your password could also probably steal those cookies.
Unfortunately, the Vanguard 2FA is weak, relying on SMS.

I get that most people don’t want this. But some do, I wish they would offer it.

To me, it would be worth the inconvenience. I don’t mind making investments by mail. And in the 20+ years I’ve been with vanguard, I’ve never made a withdrawal. I specfically want for it to be very hard and inconvenient to make withdrawals.

I’m personally willing to drive to Valley Forge some day in the future to get my money out.
Not my account. I get a phone call from Vanguard for my 2FA number.
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Re: Is it possible to disable online access to Vanguard?

Post by Broken Man 1999 »

beernutz wrote: Sat Aug 01, 2020 11:10 am
Normchad wrote: Sat Aug 01, 2020 11:00 am
HomerJ wrote: Sat Aug 01, 2020 10:55 am You can set up your account so you can only log on from "recognized" computers... i.e. computers that have logged onto your account before.

I assume it uses cookies for this.

Not sure how secure that is.

But someone stealing your username/password would also have to use your own computer to log on.

Although I guess malware on your PC that steals your password could also probably steal those cookies.
Unfortunately, the Vanguard 2FA is weak, relying on SMS.

I get that most people don’t want this. But some do, I wish they would offer it.

To me, it would be worth the inconvenience. I don’t mind making investments by mail. And in the 20+ years I’ve been with vanguard, I’ve never made a withdrawal. I specfically want for it to be very hard and inconvenient to make withdrawals.

I’m personally willing to drive to Valley Forge some day in the future to get my money out.
Not my account. I get a phone call from Vanguard for my 2FA number.
You beat me to it!

Phone call on my ooma VoIP line gives me the code.

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ClevrChico
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Re: Is it possible to disable online access to Vanguard?

Post by ClevrChico »

Would the account be less secure if you can't check it real time and not receive electronic confirmations of activity?

I know people that have had credit card fraud last for months because they never checked the paper statements. (Vs. catching fraud instantly with real time transaction alerts.)
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vineviz
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Re: Is it possible to disable online access to Vanguard?

Post by vineviz »

Normchad wrote: Sat Aug 01, 2020 11:04 am
vineviz wrote: Sat Aug 01, 2020 11:00 am
Normchad wrote: Sat Aug 01, 2020 10:11 am I would personally like it if Vanguard offered this feature. I want to "opt out" of all electronic access. This would provide an extra measure of fraud protection.
I’m not at all sure that relying on the USPS makes one less susceptible to fraud than relying on an encrypted website.

Seems like identity theft and mail fraud were happening before the emergence of online brokers.
It doesn’t 100% prevent it. But I think it makes it much less likely. Certainly people won’t come from overseas to try to do this when they have millions of other accounts they can carpet bomb electronically. It eliminates some forms of attacks. So I’d have the same mail/CSR exposure that you do, but I would not have the electronic exposure.

But again the question is, should Vanguard offer this? I don’t see why they wouldn’t.
I have no mail exposure on any of my investment accounts because I only use electronic access for those.

Yesterday my neighbors found a package addressed to me in their bushes. My emails don’t accidentally get routed to random strangers.
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Re: Is it possible to disable online access to Vanguard?

Post by Doom&Gloom »

Normchad wrote: Sat Aug 01, 2020 11:00 am
HomerJ wrote: Sat Aug 01, 2020 10:55 am You can set up your account so you can only log on from "recognized" computers... i.e. computers that have logged onto your account before.

I assume it uses cookies for this.

Not sure how secure that is.

But someone stealing your username/password would also have to use your own computer to log on.

Although I guess malware on your PC that steals your password could also probably steal those cookies.
Unfortunately, the Vanguard 2FA is weak, relying on SMS.

I get that most people don’t want this. But some do, I wish they would offer it.

To me, it would be worth the inconvenience. I don’t mind making investments by mail. And in the 20+ years I’ve been with vanguard, I’ve never made a withdrawal. I specfically want for it to be very hard and inconvenient to make withdrawals.

I’m personally willing to drive to Valley Forge some day in the future to get my money out.
It sounds as if you may not have linked a bank account to Vanguard yet. I may be misrembering, but I think that this entailed more than a little effort. You may already have a bit more protection for your primary concern than you think.
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Re: Is it possible to disable online access to Vanguard?

Post by Invest4lt »

Back in the days before electronic access, I believe that the "bad actors" would first update the mailing address before draining the account. You would be waiting for a confirmation or statement which would never arrive. I believe it is now standard practice to send a notification of an address change via snail mail to the "old" address, but not sure if Vanguard does that?
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Re: Is it possible to disable online access to Vanguard?

Post by AAA »

Blue456 wrote: Sat Aug 01, 2020 10:19 amI want all electronic access and preferably phone access fully disabled with the only way to access my account via going to physical location or going through public notary or some other secure way.
I'm not sure there are physical locations for customers. If so, they are few and far between. In any case, if you have access to one can you go there to set up the account without ever establishing electronic access?
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Re: Is it possible to disable online access to Vanguard?

Post by RetiredAL »

Blue456 wrote: Sat Aug 01, 2020 10:19 am
Cheez-It Guy wrote: Sat Aug 01, 2020 10:07 am
Blue456 wrote: Sat Aug 01, 2020 10:02 am
Cheez-It Guy wrote: Sat Aug 01, 2020 9:44 am It is possible to have tax documents mailed.

Not sure about completely disabling online access. If possible, with the direction things are headed, it seems like this would make it increasingly difficult and frustrating to get anything done.
How do you re-enable online access? What proof does Vanguard require to validate your identity?
Sorry. Perhaps I wasn't clear. I don't know how to do this or whether it is even possible. I was just considering that if it WERE possible, it might cause more headaches than you anticipate.

Or are you just taking about purposely getting yourself locked out?
I want all electronic access and preferably phone access fully disabled with the only way to access my account via going to physical location or going through public notary or some other secure way.
OP: Seems to me like that doing so will put you on a path to getting your account listed dormant and escheated about as quickly as possible.

Unless you are using 12345 for a password or other as simple as that, no one using the online access screen will be able to break in. Why? 3 or 4 strikes, and you are out - Access Denied.

To break a weaker password, you need an offline - read that stolen, password table - where one can work against weakly encrypted password data, where there is NO watchdog counter tracking failed attempts, and do so at a rate of millions of trys per second. The recent headline about Twitter was an inside job, and even then only a couple hundred accounts are extracted.

As others have posted, any CSR has the potential to move money. But to where? And how often, And there are checks and balances. When I move money at Schwab into the Grand-kid's UTMA accounts, I get a snail mail letter confirmation of the transaction because they are dis-similar accounts.

I think you are way over worrying this online access risk.
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Re: Is it possible to disable online access to Vanguard?

Post by MJS »

Vanguard's physical offices are located at
Charlotte, North Carolina
Scottsdale, Arizona
Valley Forge, Pennsylvania
Washington, D.C.
According to
https://about.vanguard.com/who-we-are/fast-facts/

The Phoenix Chamber of Commerce says over 2000 people work there. Has anyone actually gone to the AZ campus? Has the AZ Bogleheads group had any Vanguard attendees?
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Re: Is it possible to disable online access to Vanguard?

Post by niagara_guy »

I disabled web access to my accounts at Vanguard and Fidelity many years ago. I don't use the web to do financial transactions primarily for security reasons. I also had both Vanguard and Fidelity disable distributions for security reasons. I have a Fidelity office nearby, so I can go there and sign a form to allow distributions. I believe I will have to do it via mail for Vanguard when needed. I sleep better at night.
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Re: Is it possible to disable online access to Vanguard?

Post by 000 »

This will not increase security.

Also Vanguard does not have automatic investments in ETFs. You would need to use the mutual fund version of VT.
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Re: Is it possible to disable online access to Vanguard?

Post by gtd98765 »

You can increase your security at Vanguard by using voice verification, which makes it harder for someone to call them and pretend to be you.
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Re: Is it possible to disable online access to Vanguard?

Post by earflop »

ClevrChico wrote: Sat Aug 01, 2020 11:29 am Would the account be less secure if you can't check it real time and not receive electronic confirmations of activity?

I know people that have had credit card fraud last for months because they never checked the paper statements. (Vs. catching fraud instantly with real time transaction alerts.)
This, so much this. I would argue that having online access is more secure, not less secure. It allows you to monitor your account much more regularly and immediately take action if something nefarious happens.
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Re: Is it possible to disable online access to Vanguard?

Post by CardioMD »

I can’t imagine why anyone would do this. Unless you’re leaving your phone/iPad/computer open at a biker bar you really don’t have much to worry about. The ability to check your accounts in an instant will help you spot trouble. Even saving passwords to your keychain is pretty secure as someone has to physically have your device and password to access.
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Re: Is it possible to disable online access to Vanguard?

Post by illumination »

Someone can always turn online access back on even if you were able to shut it off for now.


I agree with the idea that checking on it on a regular basis is probably the best defense you can possibly have and you're cutting that off.
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Re: Is it possible to disable online access to Vanguard?

Post by typical.investor »

CardioMD wrote: Sat Aug 01, 2020 8:58 pm I can’t imagine why anyone would do this. Unless you’re leaving your phone/iPad/computer open at a biker bar you really don’t have much to worry about. The ability to check your accounts in an instant will help you spot trouble. Even saving passwords to your keychain is pretty secure as someone has to physically have your device and password to access.
I can’t imagine a good reason either.

Anyway, you might be best off by understanding Vanguard’s Guarantee.

https://personal.vanguard.com/us/help/S ... ontent.jsp
DrChronzworth
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Re: Is it possible to disable online access to Vanguard?

Post by DrChronzworth »

You definitely used to be able to do this and you would have to send in a notarized form in order to restore your online access. I would give them a call on Monday and confirm.

That being said, with Vanguard moving away from paper forms I wonder if they will allow this feature in the future.
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Re: Is it possible to disable online access to Vanguard?

Post by midareff »

Blue456 wrote: Sat Aug 01, 2020 9:41 am For those who have Vanguard, I have few questions.

Does Vanguard allow to disable online access? I would like to buy Vanguard Total World Stock (VT), set up automatic investment from external checking account and lock out online access. I am mostly worried about security and I would like everything to be done offline.

Also is it possible to have tax documents mailed?
I find that their transaction confirmation emails a great way to make sure there is no fraud. That and a 25 character alpha numeric with special characters and upper lower case password in an encrypted password manager should make you as safe as can be.
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StevieG72
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Re: Is it possible to disable online access to Vanguard?

Post by StevieG72 »

This can be easily done.

Set up security to allow access from recognized devices only. Sign out of Vangaurd site, clear cookies from your PC.

If you need to access your account you would have to call in a verify your identity.
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Re: Is it possible to disable online access to Vanguard?

Post by increment »

Invest4lt wrote: Sat Aug 01, 2020 11:47 am I believe it is now standard practice to send a notification of an address change via snail mail to the "old" address, but not sure if Vanguard does that?
Yes, they did so for my address change last month.
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Re: Is it possible to disable online access to Vanguard?

Post by dknightd »

Blue456 wrote: Sat Aug 01, 2020 10:19 am
I want all electronic access and preferably phone access fully disabled with the only way to access my account via going to physical location or going through public notary or some other secure way.
I'm not sure why you want to do this, or if it is even possible. But perhaps email or phone call to them would answer your question. I assume you'd have to either visit office, or use a notary and send papers by mail.

It might be better to select a very very secure password. I suggest

DE@-bTnH2vFesg2JxQd*hE4oA!Mwi4swiVVbQ*Pg7w

You might want to make it similar, but different ;)
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Blue456
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Re: Is it possible to disable online access to Vanguard?

Post by Blue456 »

Thank you everyone. I have not made up my mind on using Vanguard but this thread has been very helpful.
pragmatist
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Joined: Sat Sep 10, 2016 8:46 pm

Re: Is it possible to disable online access to Vanguard?

Post by pragmatist »

If you send Vanguard a letter in the mail stating that you want to permanently disable withdrawals and sales, they will put a restriction on your account that reads: Universal Sells and withdrawals Account Name—Type of Account—Account Number Will not expire

This indeed makes selling or withdrawing impossible, though you are still able to buy with funds from a linked bank or funds that are in the settlement fund. They require a notarized letter to remove the restriction. You can do this on one account and leave the others unrestricted. I suppose one could combine this with disabling online access, but why bother?
SxSW
Posts: 105
Joined: Sat Mar 23, 2019 9:25 am

Re: Is it possible to disable online access to Vanguard?

Post by SxSW »

MJS wrote: Sat Aug 01, 2020 2:12 pm Vanguard's physical offices are located at
Charlotte, North Carolina
Scottsdale, Arizona
Valley Forge, Pennsylvania
Washington, D.C.

Has anyone actually gone to the AZ campus? Has the AZ Bogleheads group had any Vanguard attendees?
You can make an appointment to meet with a rep on campus, but why would you want to?
MJS
Posts: 583
Joined: Sat Aug 05, 2017 10:55 pm

Re: Is it possible to disable online access to Vanguard?

Post by MJS »

SxSW wrote: Sun Aug 02, 2020 12:56 pm
MJS wrote: Sat Aug 01, 2020 2:12 pm Vanguard's physical offices are located at
Charlotte, North Carolina
Scottsdale, Arizona
Valley Forge, Pennsylvania
Washington, D.C.

Has anyone actually gone to the AZ campus? Has the AZ Bogleheads group had any Vanguard attendees?
You can make an appointment to meet with a rep on campus, but why would you want to?
As the header of this thread says: in order to disable online access to one's account. The OP knows what they want, and helping them achieve it is part of this forum. 🤷
rossington
Posts: 774
Joined: Fri Jun 07, 2019 2:00 am
Location: Florida

Re: Is it possible to disable online access to Vanguard?

Post by rossington »

HomerJ wrote: Sat Aug 01, 2020 10:55 am You can set up your account so you can only log on from "recognized" computers... i.e. computers that have logged onto your account before.

I assume it uses cookies for this.

Not sure how secure that is.

But someone stealing your username/password would also have to use your own computer to log on.

Although I guess malware on your PC that steals your password could also probably steal those cookies.
If it is a "recognized" computer do you know if the immediate code to your phone is still sent?
"Success is going from failure to failure without loss of enthusiasm." Winston Churchill.
rossington
Posts: 774
Joined: Fri Jun 07, 2019 2:00 am
Location: Florida

Re: Is it possible to disable online access to Vanguard?

Post by rossington »

Blue456 wrote: Sun Aug 02, 2020 8:25 am Thank you everyone. I have not made up my mind on using Vanguard but this thread has been very helpful.
Also you may not know but Vanguard will set up multiple ways to notify you immediately of non-automatic transactions.
"Success is going from failure to failure without loss of enthusiasm." Winston Churchill.
rkhusky
Posts: 10217
Joined: Thu Aug 18, 2011 8:09 pm

Re: Is it possible to disable online access to Vanguard?

Post by rkhusky »

StevieG72 wrote: Sun Aug 02, 2020 7:28 am This can be easily done.

Set up security to allow access from recognized devices only. Sign out of Vangaurd site, clear cookies from your PC.

If you need to access your account you would have to call in a verify your identity.
Vanguard uses something other than cookies. I delete cookies after every login and can login without 2FA. They are the only ones that I have found where device recognition works without cookies. If I use a different computer or change ISP’s with the same computer, it goes to 2FA.
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beyou
Posts: 3271
Joined: Sat Feb 27, 2010 3:57 pm
Location: Northeastern US

Re: Is it possible to disable online access to Vanguard?

Post by beyou »

Given all your data is an the same database with other clients, makes little difference if you personally have online access.

Just use a very long complicated pwd, and sign up for a google voice number for text messages. This will give you excellent security.

Finally, I hope you realize that the only thing you can do online is get money sent to your bank or a check to your home. Any changes to banks or address would be confirmed with you by mail.


You are really worrying about nothing rather than following simple security protocols.
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