Two of my banks do it a little differently. With Visa's process (Verified by Visa), I had to register a password for each card. A separate password from my inte

Two of my banks do it a little differently. With Visa's process (Verified by Visa), I had to register a password for each card. A separate password from my internet banking password. When I try to use my card on a VbV site (maybe one in ten sites), I have to enter three random characters. So few sites require it that I don't remember the password and entering random characters from KeepassX is always a pain. I hate it when I see that VbV prompt. That's frustrating security and results in passwords that you use so infrequently they never get changed. I'd much prefer OATH TOTP or even an SMS based code (with a "I don't have my phone" option).