I wish banks in the United States started offering two factor authentication. If I want to log into my bank (Swiss bank) I input my card number, I then get a on

I wish banks in the United States started offering two factor authentication. If I want to log into my bank (Swiss bank) I input my card number, I then get a one time code from my bank, I insert my pin card into my card reader (not connected to the computer), I type in my pin number, I then type in the code I got from my bank. What I get back is another number that I then type into the browser field. I am now logged into my bank. Now each time I try to do anything with my money (move it from checking to savings, or from checking to my dad, or savings to checking, or to investing) I have to insert my card, enter my pin, enter the number and give my bank the number that is generated. That is secure. WAY more secure than what I currently have with BoA, ING, WF, First bank, Chase, and Capital One.