I have had that problem and have been locked out a few times. At first I was fuming but since that time realised that it is needed. There are that many dodgy people and programs (being polite) around that I accept this pain knowing it keeps my money safe. Cyberspace is a dangerous place and the dodgy ones will always be trying to find ways to get at your money so the banks try and stay ahead. Mine has its own message that asks me to update their protection attached to the site to be sure it is secure. The thing is though are they ever really secure?
As for it being moved I dont think it should as a lot of people use online banking even at a basic level and might be able to give insight or help.
If it gets moved bribery might be needed.
By the way at least these red letters aint that bad.