http://bugs.winehq.org/show_bug.cgi?id=13687
--- Comment #26 from Austin English austinenglish@gmail.com 2009-09-22 12:32:54 --- (In reply to comment #25)
step 1: test existing configuration with crypt32 set to builtin in winecfg. RESULT: Online banking works. No errors and no 100% CPU usage.
Which shows the problem is in native crypt32.