On 1, I doubt that "almost every user who visits the bank's website will want to log in," at least not on every visit. I'm guessing that it's not even the majority -- many others will be looking for branch addresses, seeking info on loan or credit card terms, etc.
Yes, email providers allow you to log in from their front page, but even then only from their gateway page. As a good example, www.yahoo.com does NOT have a login for their webmail client -- you have to click through to a separate screen. You only see the login if you go directly to mail.yahoo.com.
Yes, email providers allow you to log in from their front page, but even then only from their gateway page. As a good example, www.yahoo.com does NOT have a login for their webmail client -- you have to click through to a separate screen. You only see the login if you go directly to mail.yahoo.com.