In addition to requiring your username and password to log in, the financial account will also require an RSA token, usually a string of six numbers, which changes every few seconds.  Banks can send you this RSA token on an RSA authenticator, a device about the size of a keychain.  Since the string of numbers changes regularly, only the person holding the RSA authenticator has access to the account, thus protecting finances from fraud. The security of your financial accounts usually relates to the number of hoops a hacker needs to jump through in order to access them.  The most secure requires the hacker to have stolen your RSA authenticator.