Those questions are irrelevant, btw. It's the answers that matter, for safety. Someone could know your dog's name or mother's maiden name, but if your answers are "Doginator2000" and "Iron Maiden", you'll be safe and anyone trying to gain access will be locked out.
I just have a shitty memory, and if I game them, I won't remember what answer I gave. If I were to take that strategy I'd need to write them down, which is basically already a great sign of a terrible security policy.
Banks need to provide APIs, IMO.