So how do you guys log into your online banking then? If it's done by a simple username and password I can understand why you'd be reluctant to use it. I would be too.
For my bank, I need to enter my account number and pas number. Then I have to put my debit card in a small gadget I got from the bank, after which I have to enter my PIN number. The gadget then gives me a code, which I have to enter into the site as well. Then I get logged in and I can go about my business until I want to send all the transactions I've drafted together.
When I want to send my transactions to be processed, I need to enter a code from the site into the device, which gives me another code which I need to enter into the site. Then it sends the orders.
The device is basically a calculator that applies some long string of math onto the given numbers and stuff, you get the idea. And your session get's removed after being inactive for 10 minutes. It's very high level security which, I think, can't be cracked unless someone has your PIN number.
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