My bank logs a user out of online account access after 20 minutes, regardless of what they're doing. I recently had to go in and download a year's worth of my statements, which was an unnecessarily complicated endeavor, and it was made worse by having to login 3 times to get it done, even though I was actively working the entire time. I understand that they want to protect people from others getting inadvertent access to private banking information, but why not pop up a "are you still working?" prompt?