Tuesday, the IRS announced that over 100,000 tax transcripts were accessed by unauthorized individuals. This was done via the IRS’s “Get Transcript” tool which requires you to enter information like your SSN and your tax refund amount and then gives you access to your previous tax returns.

In the past when I’ve used this transcript tool I’ve noticed what I thought were very apparent flaws in how the data was secured. To me, it seemed like anyone with a few educated guesses would be able to get access to someone else’s tax refund. So needless to say, when I heard about the “hack” I wasn’t surprised.

It also made me think about my recent experience with a similarly poorly designed system, this one being with my (former!) bank’s account closing process. It increasingly seems like older systems have these gaping holes in their security simply because they are not well thought out.

So today, I’m going to tell you how to hack my bank account. The best part? You don’t even need a computer. Nor were the people who “hacked” the IRS black-hat hackers, or at least they didn’t need to be. It’s simply a matter of exploiting a system that doesn’t take all the possibilities into account.

Logical disclaimer: I’m doing this to raise awareness for an issue I’m finding more and more common, not to tell you to hack my bank account (or anyone else’s!). Your actions are your own.