Here is a great article that analyzes a rather ridiculous attempt at providing two-factor authentication during online banking. Recent regulations in the US require institutions to do something beyond a simple username and password, but this implementation is laughable.
I guess you’re just out of luck if you grew up on 9th, love pie, and just can’t get enough CSI (or, god forbid, ER). Your money will be so secure that you won’t even be able to figure out what answers you need to type in to access it. Sadly, Synergy One is one of many that subscribed to this preposterous online banking system. Several others have been suckered into Cavion® and its related products. And it just keeps spreading.
Here is an article from The Globe and Mail about two-factor authentication at Canadian banks:
http://www.theglobeandmail.com/servlet/story/RTGAM.20071017.wgtauthentic1018/BNStory/GlobeTQ/home