I still use my HSBC bank account from time to time, so I stand by what I said. In fact, I just checked this for you. Logging in to HSBC's web UI requires me to

I still use my HSBC bank account from time to time, so I stand by what I said. In fact, I just checked this for you. Logging in to HSBC's web UI requires me to "Generate and enter the six digit security code", using my hardware token, which I never have when I need it.