Account security is getting better all the time. Today I saw a truly impressive example:
When my friend accessed an INGDirect.com account from a new computer, he was challenged by a couple of “secret questions.” If you don’t know the answers, they ask you 4 pieces of information before allowing you to sign into the account.
Then there is a visual keypad where you click the numbers to enter your pin, instead of typing it in, to thwart any keylogging software.
All online banking should be so secure.