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!