Why would you want a complex password for a bank in the first place? The only reason that would be necessary is if the bank had hopelessly woeful security and there was a risk of their encrypted passwords being stolen.
apparently you've never heard of people guessing passwords...
There's a difference between non-complex and guessable. You don't need to have a 16+ character password to make it non guessable. My comment was referring to brute forcing rather than guessing...
All the restrictions banks give don't make the password less guessable. Lots of people can still use their birth year, or their postal code. Banks are mainly a PITA, not really "securer".