Marketing should always be OPT-IN by default, but these extra steps to opt out is truly asshole design.
Oh, and on the opt-out confirmation screen, you get two options: Yes or No. The button colour for “yes” is white, and the “no” button matches the “save” button on the previous screen, so it’s easy to accidentally cancel the opt-out. Double-asshole design!
Inbound calls? Outbound calls? I would not want to sit through an ad instead of being put straight through to a bank rep to report a missing card or some other important issue
This kind of stuff should be 100% opt in as you say!
Hopefully, it also includes the “upsell” when you do call for something. Like, after the problem is resolved, “we have some other products you might be interested in.”. I don’t want to hear about anything that I’m not asking about.