Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open.

What U.S. banks offer two-factor authentication (such as password & token) for online banking? 
There are very few banks which offer two-factor authentication.  Part of the reason is cost.  Providing a token to every account-holder is expensive, not just in the device or system, but in providing support and assistance to the millions of people who won't have the faintest idea how it works and complain that they no longer have access to their accounts. That said, it is sometimes available on request for personal accounts and many banks require it for their business clients. My HSBC Business account comes with two-factor as default and it works extremely well. There is also the pseudo-two-factor security offered by Visa and MasterCard (3-D secure) which performs a similar function.