[r00fus]

Do other internet-only banks offer such a feature? I'm pretty done with "360".

[benjiweber]

In the UK it's common to use card readers which can use the chips in our cards to generate a response to challenges from online banking.

It also allows you to only authorise specific actions e.g. transferring a specific amount to a specific payee, so protects against replay attacks.

[JonFish85]

Same. Ever since they ticked under the 1% interest rate, I've been looking for a better alternative (ah I loved the 6% back with ING in '05).

[eli]

Surely the interest rate has more to do with the Fed than the bank?