My online bank provides:

What Trusteer’s Rapport Does

Trusteer Rapport secures communications between your computer system and our site to help prevent malware or fraudulent websites from obtaining your username, password and other sensitive login information. Rapport is not designed to replace your existing protection; it actually works with your existing antivirus software and firewall to enhance your overall online security. You may also use Rapport to protect you while on sites too.
And if you talk to your bank, they probably have other protection...

1. Large purchases will generate a phone call to you to verify the purchase.
2. You have protection again purchases that you didn't make etc...

My online bank also uses cookies. If I log in from a new computer I am forced to answer prearranged security question.

If anyone tries to guess at my password - they get three tries and then my account is locked even to me. I have to call and talk to a human to get it unlocked.