One of your main protections against theft of your bank balance(s) is to have a low transfer threshold for online transactions. For transfers of amounts larger than your limit, you need to contact the bank and go through their security questions. To change the limit you need to go through the same process.
Two factor authentication is most commonly via SMS/text to a mobile phone. Good general security, especially compared with just a username and password which can be phished and then your online accounts compromised.
For substantial cash amounts, consider splitting these funds between deposit-taking entities. For example a couple of banks and a broker. Better interest with Jarden currently too.
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