In addition to single and multi-factor authentication, your bank may also rely on several layers of control to assure your Internet safety. These layers might include:

Additional controls, such as call-back (voice) verification, e-mail approval, or cell phone-based identification.

Employing customer verification procedures, especially when opening accounts online.

Analyzing banking transactions to identify suspicious patterns

Establishing dollar limits that require manual intervention to exceed a preset limit.

Importantly, the methods used will be those needed to assure your safety and security when conducting online financial business. It's one of your bank's top priorities!