best usb security key for bank of america

Due to unique security needs from bank to bank and user to user, banks tend to call 2FA different things, and you’ll run into different protocols for setting it up at different institutions. I also don’t like my phone(simcard) being a 2FA device, I’m always paranoid about someone stealing the phone when I travel for that reason, prefer to not have any 2FA tied to the phone.For the tenth day of the 12 Days of 2FA, we’ll go over how to set up two-factor authentication for Bank of America online and mobile banking. The Yubikey is actually more convienent in my experience, as I just tap it rather than manually enter a code from my phone. If there was a large bank which offered better security options I would consider closing BoA HELOC and opening at a different bank. If someone stole several hundred thousand dollars from a HELOC, I don’t know what the recourse process looks like, and that doesn’t sound like a fun situation to be in. Many people seem worried about their credit card being stolen, but federal law limits their liabilty. I have a HELOC with bank of america, as far as I know unauthorized transactions are covered by BoA policy and they would make you whole, but I am not aware of which laws would force their hand. When financial institutions want to take security more seriously I will join them but not going to jump through hoops for them. I would not be bragging about my investing prowess, cryptos, and stonk gains to Uber drivers and bartenders. Exception is if I was a high profile individual likely to be targeted by foreign intelligence or organized crime (based on the information I know today - might say something different in a few years). A few thousand dollars in a checking account and a credit card I have basically no legal liability on for fraudulent charges would not push me towards lowering my convenience for theoretically improved security. I hope this isn't too controversial, but security is a tradeoff. If it was a Merrill Edge account with a lot more money in it I might do it. Rather than adopting a Yubikey I'd mitigate risk by keeping only a small amount of money at Bank of America if I was using it for checking or credit card.

Best usb security key for bank of america