[justincormack]

All the banks I have used in the last 10 years have required hardware tokens. Recommend you change banks even if that makes screen scraping your balance impossible....

[atlbeer]

Two factor auth is extremely uncommon in the US for banking.

My UK account uses 2 factor but, none of the financial sites I use in the US (4 different companies) have it.

[atlbeer]

Just to add though. Wire transfers require txt or call authentication.