Hmm… I can't imagine being locked out of my online banking.
That widget is actually quite clever. WoW have a similar thing called the Blizzard Authenticator which is also good. I really wish CCP create one tbh for Eve Online. Its well overdue.
Was your credit card and current account not with the same bank? I have all my accounts with Natwest, not because its cheaper, but because its easier to manage. Any problems, and I can wonder into a branch and poke someone to fix it. :p