On-line Banking Safe or Unsafe ? Who trusts

[Firefox]

I have stayed away from on-line banking for the longest time due to Keyloggers, etc, (Although I will pay bills on-line with ACH) But I refuse so far to acess my banking account from the Internet due to the lack of secuirty in place i.e. two-factor autentication ( like a banks safety deposit box, two keys to work, or some form like MS has that can identify my machine ) Because IP can be spoofed even that I don't trust because say I use on-line banking and I complain that I did'nt make a transaction, i.e empty my bank account to some bank in North Korea or Iran, Russia or China. Some one used a keylogger and My ip to generate the transaction how do I Prove that I did'nt and more so how long will it take to get my money back. Kind of like the headache of Identy theft, or getting errors on a credit report fixed , what a pain in the Keister. But I dread the day of being forced to use On-line banking or pay through the nose not to.


SO my poll question is how many use On-Line banking? What secruity do you take. What kind of TOS does your bank offer or force?