I’m looking to transfer to a bank/credit card company for my online bill paying, and good offline transaction protection as well.
My understanding is that 2-step authentication (where you request a second password code right before the transaction, that can only be used once) is one of the strongest protection mechanisms. I’m not sure if there are other techniques that ensure equal or greater online transaction protection.
Please recommend a bank/checking/credit card company I can join (available in the U.S.) that offers the best online protection (and low fees!).
Which do you use and why ?