I have two accounts with security tokens. In one case they charged me $20 for the token, in the other case they gave it to me for free with the account. It's

I have two accounts with security tokens. In one case they charged me $20 for the token, in the other case they gave it to me for free with the account. It's mildly annoying in that you need to take the token with you if you want to have banking at your fingertips, but then it does mean you're extremely unlikely to be hacked.