When the accounts of our company started to be beyond the low 6 figures, we got upgraded by our bank to a different online banking system with a smartcard and a

When the accounts of our company started to be beyond the low 6 figures, we got upgraded by our bank to a different online banking system with a smartcard and a keypad for strong 2FA. Our admin team is informed every time someone logs in the system, and wiring money is a 2 phase process. If a transaction is unusual, the bank usually contacts us. So yes, I do think banks have additional protection measures, it's just not worth it for smaller amounts where the insurance will just cover it.