Chase is similar. Username and password, and to login from a new device (web, iphone app, etc) requires putting in a time-sensitive code sent to your phone by

Chase is similar. Username and password, and to login from a new device (web, iphone app, etc) requires putting in a time-sensitive code sent to your phone by SMS or email. An actual dedicated mobile app is somewhat a bad design since many people do not have smart phones and it makes it client dependent vs. account dependent.